US6014645A - Real-time financial card application system - Google Patents

Real-time financial card application system Download PDF

Info

Publication number
US6014645A
US6014645A US08/635,334 US63533496A US6014645A US 6014645 A US6014645 A US 6014645A US 63533496 A US63533496 A US 63533496A US 6014645 A US6014645 A US 6014645A
Authority
US
United States
Prior art keywords
financial
applicant
financial card
rating
data
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Expired - Lifetime
Application number
US08/635,334
Inventor
Gordon Cotter Cunningham
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Block Financial LLC
Original Assignee
Block Financial Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=24547375&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=US6014645(A) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
US case filed in Missouri Western District Court litigation https://portal.unifiedpatents.com/litigation/Missouri%20Western%20District%20Court/case/4%3A01-cv-01007 Source: District Court Jurisdiction: Missouri Western District Court "Unified Patents Litigation Data" by Unified Patents is licensed under a Creative Commons Attribution 4.0 International License.
US case filed in Missouri Western District Court litigation https://portal.unifiedpatents.com/litigation/Missouri%20Western%20District%20Court/case/4%3A08-cv-00164 Source: District Court Jurisdiction: Missouri Western District Court "Unified Patents Litigation Data" by Unified Patents is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Block Financial Corp filed Critical Block Financial Corp
Priority to US08/635,334 priority Critical patent/US6014645A/en
Assigned to BLOCK FINANCIAL CORPORATION reassignment BLOCK FINANCIAL CORPORATION ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: CUNNINGHAM, GORDON COTTER
Priority to US09/323,715 priority patent/US7310617B1/en
Application granted granted Critical
Publication of US6014645A publication Critical patent/US6014645A/en
Assigned to BLOCK FINANCIAL LLC reassignment BLOCK FINANCIAL LLC CHANGE OF NAME (SEE DOCUMENT FOR DETAILS). Assignors: BLOCK FINANCIAL CORPORATION
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Images

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403Solvency checks
    • G06Q20/4037Remote solvency checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor

Definitions

  • the present invention relates generally to online financial systems for completing various financial transactions.
  • the present invention relates to an online, real-time system that allows a user to submit financial card application data and accept a financial card offer from a participating financial institution as based on predefined applicant selection criteria.
  • Financial institutions interested in locating new customers for their financial cards often rely on direct mailings. These institutions may review personal information regarding income, education, assets (e.g., home ownership), and credit histories before deciding to solicit certain potential customers. In addition, the institutions determine the terms of the financial card offer (e.g., credit limit, interest rate, yearly fee, etc.) which are known in the industry as the "federal boxes.” Using detailed selection criteria (e.g., female college graduates who own homes and have incomes over $25,000.00) and offer terms, an institution may send financial card applications to potential customers. These direct mailings are very expensive given the number of recipients who actually respond. The number is generally believed to be less than two percent (2%).
  • an institution must determine the selection criteria and the financial card terms long before the packages are sent. For a given direct mail campaign, once the process begins, there is little, if any, opportunity to change either the selection criteria or the terms. As a result, there is little opportunity to experiment or tune the process to find the most successful combinations of selection criteria and associated financial card terms. Even if the financial institution is willing to incur the costs associated with multiple direct mail campaigns, the target recipients may resent the repeated solicitations.
  • the direct mail method makes it difficult for financial institutions and potential customers to connect.
  • the application package may get lost in the mail or, if the intended recipient has moved, the application package may never reach the intended recipient.
  • the inability to easily alter selection criteria and associated financial card term data may mean that would-be customers are excluded from the direct mail process.
  • the lack of a single source of financial card application information makes it difficult for potential customers to learn of or review their options.
  • the present invention recognizes the limitations of using direct mailings for matching financial institutions and their card offerings with new customers.
  • the present invention is a sophisticated computer system that allows users to peruse and accept financial card offers from financial institutions interested in locating new customers who meet specific selection criteria.
  • the present invention -which may be accessed via the World Wide Web--prompts a user for pertinent information. Additional credit history data may be obtained using the personal and financial information provided by the user.
  • a user may then be assigned a financial risk rating or grade/score based on the personal, financial, and credit history data provided to the system of the present invention.
  • the financial risk rating may be used to locate financial card offers from financial institutions willing to extend offers to users with the specified rating.
  • the user may then peruse the offers and accept an offer that meets his or her requirements. Following acceptance of an offer, the user's personal information is forwarded to the financial institution for processing and a financial card in accordance with accepted offer terms is sent to the user.
  • FIG. 1 is a diagrammatic representation of the primary components of the present invention
  • FIG. 2 is a dataflow diagram for a preferred embodiment of the present invention.
  • FIG. 3 is a flow chart of the primary steps for obtaining data from financial institutions and other outside sources.
  • FIG. 4 is a flow chart of the primary steps for processing an applicant transaction.
  • the present invention--Financial Card Application Service is an electronic financial card application system implemented using the Internet's World Wide Web (WWW) technology.
  • WWW World Wide Web
  • Distributed systems technology and a client/server model are used to create an architecture that allows Internet and Online Service users to access the Card Service using the Uniform Resource Locator/Identifier addressing scheme of the WWW.
  • the Card Service is assigned a unique identifier (e.g., www.FinancialCard.com) that users provide to establish a connection to the WWW site where servers that provide the features and functionality of the present invention are located.
  • HTML HyperText Markup Language
  • HTTP HyperText Transfer Protocol
  • the Card Service is based on Internet/WWW technology, it may be accessed through a number of interfaces--for example, native Microsoft® WindowsTM applications or hyper-text mark-up language (HTML)/Web browsers.
  • FIG. 1 a diagrammatic representation of the primary components of the present invention is shown.
  • users connect to the Card Service via the Internet 12.
  • the Card Service is implemented as a site on the WWW accessible via a unique identifier (e.g., www.FinancialCard.com.)
  • Multiple user interfaces to the Card Service are implemented as different types of clients.
  • Users may establish a direct connection to the Card Service via the Internet 12 by using a Web browser 10.
  • they may establish a connection via an online service such as the CompuServe Information Service 14 and communicate with the Card Service using connection software such as the CompuServe Information Manager for Windows (WinCIM) 16.
  • WinCIM CompuServe Information Manager for Windows
  • the TCP/IP protocol suite is used for communications between the primary components of the present invention.
  • packets in accordance with the TCP/IP protocol suite and destined for the Card Service are routed 18 to a Web Server 22 at the site for processing.
  • a Firewall 20 is established between the Router 18 and the Web Server 22. Transactions may then occur in a secure environment.
  • the servers 24-34 may facilitate the retrieval and storage of information from participating financial institutions and credit bureaus.
  • the information is stored on database servers 36 with which the Card Service servers 24-34 interact to process transactions on behalf of users.
  • the servers 24-34 may obtain information from the user and process it with the financial institution data stored on the database servers 36 and credit bureau information stored remotely (e.g., at the credit bureau) to determine which card offers are appropriate for the user.
  • the servers 24-34 also may facilitate the user's review and acceptance of any offers.
  • the servers 24-34 may communicate the acceptance of offers to the participating financial institutions so the users may receive their new financial cards.
  • the number of servers 24-34 in the system may be increased or decreased depending on the number of transactions processed during a given time period. Some servers may be dedicated to providing a particular type of service (e.g., obtaining information from participating financial institutions) while other servers may be set up to provide all types of services. In addition, all data may be stored in a single database on one or more database servers, or stored in multiple databases on one or more database servers. The configurations of the various servers may change to accommodate an increase or decrease in the number of transactions that are processed within a certain time frame.
  • the present invention is based on Internet/WWW technology, it may be made accessible twenty-four (24) hours a day from around the world. Potential customers may shop for a new card at their own convenience. Because potential customers are located through electronic means, financial institutions may reach them even if their mailing addresses or physical locations change frequently. In addition, the accessibility allows financial institutions to join the service at any time. Furthermore, financial institutions may upload to the databases selection criteria and financial card term data as needed.
  • FIG. 2 a dataflow diagram for a preferred embodiment of the present invention is shown.
  • Servers running application programs that provide the features and functionality of the present invention facilitate communication between potential financial card customers and participating financial institutions interested in locating new customers.
  • the process begins when a user (applicant) completes an application 40 by providing personal and financial information (application data) 42.
  • the application data may include the applicant's name, telephone number, home address, e-mail address, income, other assets and liabilities, bank account numbers, etc.
  • the servers at the Web/online site 44 prompt the applicant for the required information and then process it.
  • a "grading system" process 48 may be employed which uses the application data, as well as other data, as input to determine which financial card offers may be presented to the applicant.
  • the grading system assigns a grade/score to the applicant by using the application data and other information such as credit bureau data to derive a letter grade and a numerical score (e.g., A-760).
  • the assigned grade/score may then be used to search each participating financial institution's selection criteria 50 to locate the offers that may be presented to the applicant.
  • a financial institution's selection criteria are organized in a matrix that associates financial card term data with a minimum grade/score combination. For example, a bank may have the following selection matrix.
  • Offer 1 is presented is this example. If the applicant's assigned grade/score is A-699, he or she will not receive an offer from this particular financial institution. The process is repeated for each participating financial institution. The applicant is then presented with offers appropriate for the assigned grade/score. The presentation of offers from participating financial institutions is, preferably, done in real-time on the applicant's computer display.
  • the grade/score assigned to the applicant by the grading system may be viewed as a financial risk rating. It takes into account various criteria and factors to determine whether a particular applicant should be extended an offer and if so, what the terms of the offer should be. For example, a financial institution may decide to offer a credit card with a low interest rate and a high credit limit to an applicant perceived to be a low risk (i.e., has a low financial risk rating.) Alternatively, a financial institution may decide to offer a credit card with a high interest rate and a low credit limit to an applicant perceived to be a high risk (i.e., has a high financial risk rating.)
  • the applicant may peruse, via the computer display, the "federal box” and other details of each of the offers to find the one that is most attractive (e.g., has the most favorable terms). If the applicant accepts one of the offers, the application data for the applicant is forwarded to the financial institution that made the accepted offer. The financial institution then processes the application and makes arrangements to send the financial card to the applicant.
  • FIG. 3 a flow chart of the primary steps for obtaining data from financial institutions and other outside sources is shown. Some information may be stored remotely and accessed as needed (e.g., credit bureau data) while other data (e.g., participating financial institution data, financial card term data) may be stored locally to improve performance of the system.
  • participating financial institutions provide contact and other information that may be needed to complete a transaction using the present invention (participating financial institution data.) For example, information for forwarding accepted offers may be stored for later retrieval.
  • selection criteria for each participating financial institution is obtained.
  • the terms of the financial card offers for the acceptable grade/score combinations are specified (financial card term data).
  • the selection criteria and financial card term data are organized in a matrix as described above. Different financial card terms may be specified for each grade/score combination for which the financial institution is willing to make an offer.
  • information from credit bureaus and other third party sources may be retrieved and stored.
  • the stored information is access or contact information that may be used to obtain up-to-date credit bureau data directly while a transaction is being processed. Using this approach, the most current credit bureau data may be used in determining a rating for an applicant.
  • financial institutions are permitted to update their selection criteria and financial card term data frequently.
  • the modified data may be uploaded as needed to the databases that support the transaction processing.
  • a financial institution may be able to increase the likelihood its offers are accepted by changing the selection criteria (i.e., financial risk rating) and associated term data. For example, an institution may decide to lower the score associated with a particular grade so that more applicants may be presented with a particular offer. An institution may also decide to add offers for other grade/score combinations.
  • Financial institutions may adapt the selection criteria as needed in accordance with the perceived needs of potential customers.
  • the flexibility of the present invention i.e., the ability to electronically compose and present offers allows financial institutions to change the terms of offers or to increase the number of offers with different terms.
  • customers are more likely to find a financial card appropriate for their circumstances (e.g., because the grade/score associated with particular term data has changed, or because the term data associated with a particular grade/score has changed, or because new grade/score and term data pairs have been defined.)
  • customers, who one day are unable to locate a financial card that meets their needs, may, the next day, find one that meets their needs. Consequently, both the customer who accepts the financial card offer and the financial institution that sponsors the offer benefit.
  • a flow chart of the primary steps for processing a user (applicant) transaction is shown.
  • the applicant is prompted for application data.
  • the applicant's credit history data are located and retrieved for processing 72.
  • a grade/score is calculated and assigned to the applicant.
  • the grade/score is calculated using the application data and credit history data obtained directly from the credit bureau in real-time.
  • the selection criteria as embodied in each financial institution's selection matrix is reviewed to locate the financial card offers appropriate for the applicant 76.
  • Each offer is then presented to the applicant for his or her review 78. Offers may be presented in a variety of formats.
  • each offer may be presented in the form of a menu from which the applicant may make a selection to review details of the offer.
  • each offer may be presented in a series of single computer screen displays. If the applicant accepts an offer 80, the application data is recorded and forwarded to the financial institution sponsoring the offer 82. Otherwise, offers are presented to the applicant 78 until there are no additional offers to present 84 or the applicant quits 86.
  • the present invention offers substantial benefits to financial institutions and potential financial card customers.
  • financial institutions may easily alter selection criteria and associated financial card term data as well as increase the types of offers in order to locate new customers.
  • Significant cost savings may be realized by use of the electronic means of the present invention, rather than direct mailings, to present financial card offers.
  • Financial institutions and potential customers are more likely to connect with one another using the present invention because customers are not required to be in any particular physical location in order to receive an offer.
  • they may review, at their own convenience, a variety of options from a variety of institutions via a single access point thus reducing the amount of time required to shop for a new card.

Abstract

A system is disclosed for presenting financial card (e.g., credit card, debit card) offers to potential customers. Financial card applicant selection criteria and financial card term data are provided by participating financial institutions. An applicant interested in applying for a new financial card accesses the system via the Internet/World Wide Web. The applicant provides personal and financial data that are then analyzed in conjunction with data from outside sources (such as credit bureaus) to determine a financial risk rating for the applicant. The rating is used to locate financial card offers appropriate for the applicant. The applicant then peruses the offers and chooses one that meets his or her personal selection criteria. The applicant's data is then forwarded for processing to the participating financial institution that made the selected offer.

Description

BACKGROUND OF THE INVENTION
1. Field of the Invention
The present invention relates generally to online financial systems for completing various financial transactions. Particularly, the present invention relates to an online, real-time system that allows a user to submit financial card application data and accept a financial card offer from a participating financial institution as based on predefined applicant selection criteria.
2. Description of Related Art
Financial institutions interested in locating new customers for their financial cards (such as credit cards, debit cards, etc.) often rely on direct mailings. These institutions may review personal information regarding income, education, assets (e.g., home ownership), and credit histories before deciding to solicit certain potential customers. In addition, the institutions determine the terms of the financial card offer (e.g., credit limit, interest rate, yearly fee, etc.) which are known in the industry as the "federal boxes." Using detailed selection criteria (e.g., female college graduates who own homes and have incomes over $25,000.00) and offer terms, an institution may send financial card applications to potential customers. These direct mailings are very expensive given the number of recipients who actually respond. The number is generally believed to be less than two percent (2%). Furthermore, because of the lead time and intensive labor required for printing, assembling, and mailing the financial card application packages, an institution must determine the selection criteria and the financial card terms long before the packages are sent. For a given direct mail campaign, once the process begins, there is little, if any, opportunity to change either the selection criteria or the terms. As a result, there is little opportunity to experiment or tune the process to find the most successful combinations of selection criteria and associated financial card terms. Even if the financial institution is willing to incur the costs associated with multiple direct mail campaigns, the target recipients may resent the repeated solicitations.
In addition to the disadvantages of the process for financial institutions, potential customers are also inconvenienced. Those direct mail recipients who are not interested in the offers must sort the "junk mail" from their regular personal and business mail. Those recipients who are interested in the offers must complete the applications manually, mail them back to the financial institutions, wait for them to be processed, and then wait for the financial card to arrive in the mail. Furthermore, some interested customers simply may be missed because, for a variety of reasons, they never make it on a mailing list. Customers who decide to shop on their own for a new financial card may be required to make inquiries at a number of financial institutions, each of which must analyze the applicant's data to determine which, if any, card is appropriate for the applicant. This process is time-consuming because multiple telephone calls are needed and the same information must be repeated for each institution. Furthermore, the potential customer may need to take notes regarding each offer or wait for offer information in the mail in order to compare the offers.
In general, the direct mail method makes it difficult for financial institutions and potential customers to connect. First, the application package may get lost in the mail or, if the intended recipient has moved, the application package may never reach the intended recipient. The inability to easily alter selection criteria and associated financial card term data may mean that would-be customers are excluded from the direct mail process. The lack of a single source of financial card application information makes it difficult for potential customers to learn of or review their options.
SUMMARY OF THE INVENTION
The present invention recognizes the limitations of using direct mailings for matching financial institutions and their card offerings with new customers. The present invention is a sophisticated computer system that allows users to peruse and accept financial card offers from financial institutions interested in locating new customers who meet specific selection criteria. The present invention--which may be accessed via the World Wide Web--prompts a user for pertinent information. Additional credit history data may be obtained using the personal and financial information provided by the user. A user may then be assigned a financial risk rating or grade/score based on the personal, financial, and credit history data provided to the system of the present invention. The financial risk rating may be used to locate financial card offers from financial institutions willing to extend offers to users with the specified rating. The user may then peruse the offers and accept an offer that meets his or her requirements. Following acceptance of an offer, the user's personal information is forwarded to the financial institution for processing and a financial card in accordance with accepted offer terms is sent to the user.
BRIEF DESCRIPTION OF THE DRAWING(S)
FIG. 1 is a diagrammatic representation of the primary components of the present invention;
FIG. 2 is a dataflow diagram for a preferred embodiment of the present invention;
FIG. 3 is a flow chart of the primary steps for obtaining data from financial institutions and other outside sources; and
FIG. 4 is a flow chart of the primary steps for processing an applicant transaction.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT(S)
Preferably, the present invention--Financial Card Application Service (Card Service)--is an electronic financial card application system implemented using the Internet's World Wide Web (WWW) technology. Distributed systems technology and a client/server model are used to create an architecture that allows Internet and Online Service users to access the Card Service using the Uniform Resource Locator/Identifier addressing scheme of the WWW. The Card Service is assigned a unique identifier (e.g., www.FinancialCard.com) that users provide to establish a connection to the WWW site where servers that provide the features and functionality of the present invention are located. Once connected to the site, users interact with HyperText Markup Language (HTML) documents to provide application data (personal and financial information) and to review and accept card offers from financial institutions. Communications between participating entities of the Card Service are accomplished, in part, using the HyperText Transfer Protocol (HTTP) of the WWW. Because the Card Service is based on Internet/WWW technology, it may be accessed through a number of interfaces--for example, native Microsoft® Windows™ applications or hyper-text mark-up language (HTML)/Web browsers.
Referring to FIG. 1, a diagrammatic representation of the primary components of the present invention is shown. Preferably, users connect to the Card Service via the Internet 12. The Card Service is implemented as a site on the WWW accessible via a unique identifier (e.g., www.FinancialCard.com.) Multiple user interfaces to the Card Service are implemented as different types of clients. Users may establish a direct connection to the Card Service via the Internet 12 by using a Web browser 10. Alternatively, they may establish a connection via an online service such as the CompuServe Information Service 14 and communicate with the Card Service using connection software such as the CompuServe Information Manager for Windows (WinCIM) 16. Methods for providing services via the Internet/WWW are well-known in the art and are not explained here.
In accordance with the standard communication mechanisms of the Internet/WWW, the TCP/IP protocol suite is used for communications between the primary components of the present invention. As shown in FIG. 1, packets in accordance with the TCP/IP protocol suite and destined for the Card Service are routed 18 to a Web Server 22 at the site for processing. Because security is a significant issue for online financial information systems, a Firewall 20 is established between the Router 18 and the Web Server 22. Transactions may then occur in a secure environment.
The Web Server 22, in turn, communicates with the Card Service servers 24-34 that provide the features and functionality of the present invention. Initially, the servers 24-34 may facilitate the retrieval and storage of information from participating financial institutions and credit bureaus. Preferably, the information is stored on database servers 36 with which the Card Service servers 24-34 interact to process transactions on behalf of users. When processing a transaction for a user interested in applying for a new financial card, the servers 24-34 may obtain information from the user and process it with the financial institution data stored on the database servers 36 and credit bureau information stored remotely (e.g., at the credit bureau) to determine which card offers are appropriate for the user. The servers 24-34 also may facilitate the user's review and acceptance of any offers. Finally, the servers 24-34 may communicate the acceptance of offers to the participating financial institutions so the users may receive their new financial cards.
The number of servers 24-34 in the system (including database servers 36) may be increased or decreased depending on the number of transactions processed during a given time period. Some servers may be dedicated to providing a particular type of service (e.g., obtaining information from participating financial institutions) while other servers may be set up to provide all types of services. In addition, all data may be stored in a single database on one or more database servers, or stored in multiple databases on one or more database servers. The configurations of the various servers may change to accommodate an increase or decrease in the number of transactions that are processed within a certain time frame.
Because the present invention is based on Internet/WWW technology, it may be made accessible twenty-four (24) hours a day from around the world. Potential customers may shop for a new card at their own convenience. Because potential customers are located through electronic means, financial institutions may reach them even if their mailing addresses or physical locations change frequently. In addition, the accessibility allows financial institutions to join the service at any time. Furthermore, financial institutions may upload to the databases selection criteria and financial card term data as needed.
Referring to FIG. 2, a dataflow diagram for a preferred embodiment of the present invention is shown. Servers running application programs that provide the features and functionality of the present invention facilitate communication between potential financial card customers and participating financial institutions interested in locating new customers. The process begins when a user (applicant) completes an application 40 by providing personal and financial information (application data) 42. The application data may include the applicant's name, telephone number, home address, e-mail address, income, other assets and liabilities, bank account numbers, etc. The servers at the Web/online site 44 prompt the applicant for the required information and then process it.
A "grading system" process 48 may be employed which uses the application data, as well as other data, as input to determine which financial card offers may be presented to the applicant. Preferably, the grading system assigns a grade/score to the applicant by using the application data and other information such as credit bureau data to derive a letter grade and a numerical score (e.g., A-760). The assigned grade/score may then be used to search each participating financial institution's selection criteria 50 to locate the offers that may be presented to the applicant. Preferably, a financial institution's selection criteria are organized in a matrix that associates financial card term data with a minimum grade/score combination. For example, a bank may have the following selection matrix.
______________________________________                                    
                    Offer                                                 
Grade   Score       (Financial Card Term Data)                            
______________________________________                                    
A       700 and above                                                     
                    Offer 1 - no annual fee, 8.9% APR for 6               
                    months, afterwards APR goes to 12%                    
                    fixed, no cash advance fees or minimum                
                    finance charges                                       
B       780 and above                                                     
                    Offer 2 - no annual fee, 12.9% APR for                
                    6 months, afterwards APR goes to 15%                  
                    fixed, no cash advance fees or minimum                
                    charges                                               
all others          no offer                                              
______________________________________                                    
If an applicant's assigned grade/score is A-701, Offer 1 is presented is this example. If the applicant's assigned grade/score is A-699, he or she will not receive an offer from this particular financial institution. The process is repeated for each participating financial institution. The applicant is then presented with offers appropriate for the assigned grade/score. The presentation of offers from participating financial institutions is, preferably, done in real-time on the applicant's computer display.
The grade/score assigned to the applicant by the grading system may be viewed as a financial risk rating. It takes into account various criteria and factors to determine whether a particular applicant should be extended an offer and if so, what the terms of the offer should be. For example, a financial institution may decide to offer a credit card with a low interest rate and a high credit limit to an applicant perceived to be a low risk (i.e., has a low financial risk rating.) Alternatively, a financial institution may decide to offer a credit card with a high interest rate and a low credit limit to an applicant perceived to be a high risk (i.e., has a high financial risk rating.)
The applicant may peruse, via the computer display, the "federal box" and other details of each of the offers to find the one that is most attractive (e.g., has the most favorable terms). If the applicant accepts one of the offers, the application data for the applicant is forwarded to the financial institution that made the accepted offer. The financial institution then processes the application and makes arrangements to send the financial card to the applicant.
Referring to FIG. 3, a flow chart of the primary steps for obtaining data from financial institutions and other outside sources is shown. Some information may be stored remotely and accessed as needed (e.g., credit bureau data) while other data (e.g., participating financial institution data, financial card term data) may be stored locally to improve performance of the system. In the first step 60, participating financial institutions provide contact and other information that may be needed to complete a transaction using the present invention (participating financial institution data.) For example, information for forwarding accepted offers may be stored for later retrieval. In the next step 62, selection criteria for each participating financial institution is obtained. In the next step 64, the terms of the financial card offers for the acceptable grade/score combinations are specified (financial card term data). Preferably, the selection criteria and financial card term data are organized in a matrix as described above. Different financial card terms may be specified for each grade/score combination for which the financial institution is willing to make an offer. Finally, in step 66, information from credit bureaus and other third party sources may be retrieved and stored. Preferably, the stored information is access or contact information that may be used to obtain up-to-date credit bureau data directly while a transaction is being processed. Using this approach, the most current credit bureau data may be used in determining a rating for an applicant.
In a preferred embodiment of the present invention, financial institutions are permitted to update their selection criteria and financial card term data frequently. The modified data may be uploaded as needed to the databases that support the transaction processing. A financial institution may be able to increase the likelihood its offers are accepted by changing the selection criteria (i.e., financial risk rating) and associated term data. For example, an institution may decide to lower the score associated with a particular grade so that more applicants may be presented with a particular offer. An institution may also decide to add offers for other grade/score combinations.
The ability to alter online financial risk ratings and associated financial card term data in a substantially continuous, real time manner--a unique aspect of the present invention--results in substantial benefits to both financial institutions and financial card customers that direct mail and other forms of offers do not provide due to their static nature. Financial institutions may adapt the selection criteria as needed in accordance with the perceived needs of potential customers. In addition, the flexibility of the present invention (i.e., the ability to electronically compose and present offers) allows financial institutions to change the terms of offers or to increase the number of offers with different terms. Consequently, potential customers are more likely to find a financial card appropriate for their circumstances (e.g., because the grade/score associated with particular term data has changed, or because the term data associated with a particular grade/score has changed, or because new grade/score and term data pairs have been defined.) Using the present invention, customers, who one day are unable to locate a financial card that meets their needs, may, the next day, find one that meets their needs. Consequently, both the customer who accepts the financial card offer and the financial institution that sponsors the offer benefit.
Referring to FIG. 4, a flow chart of the primary steps for processing a user (applicant) transaction is shown. In the first step 70, the applicant is prompted for application data. Using the application data, the applicant's credit history data are located and retrieved for processing 72. Next 74, a grade/score is calculated and assigned to the applicant. The grade/score is calculated using the application data and credit history data obtained directly from the credit bureau in real-time. The selection criteria as embodied in each financial institution's selection matrix is reviewed to locate the financial card offers appropriate for the applicant 76. Each offer is then presented to the applicant for his or her review 78. Offers may be presented in a variety of formats. For example, a summary of each offer may be presented in the form of a menu from which the applicant may make a selection to review details of the offer. Alternatively, each offer may be presented in a series of single computer screen displays. If the applicant accepts an offer 80, the application data is recorded and forwarded to the financial institution sponsoring the offer 82. Otherwise, offers are presented to the applicant 78 until there are no additional offers to present 84 or the applicant quits 86.
The present invention offers substantial benefits to financial institutions and potential financial card customers. Using the present invention, financial institutions may easily alter selection criteria and associated financial card term data as well as increase the types of offers in order to locate new customers. Significant cost savings may be realized by use of the electronic means of the present invention, rather than direct mailings, to present financial card offers. Financial institutions and potential customers are more likely to connect with one another using the present invention because customers are not required to be in any particular physical location in order to receive an offer. Furthermore, they may review, at their own convenience, a variety of options from a variety of institutions via a single access point thus reducing the amount of time required to shop for a new card.
The present invention has been described with reference to preferred embodiments thereof Various changes in form and details may be made without departing from the scope and spirit of the present invention.

Claims (33)

What is claimed is:
1. An electronic financial card application system comprising:
means for storing financial institution data for participating financial institutions;
means for storing financial card term data for each of said participating financial institutions;
means for providing ratings associated with said financial card term data;
means for storing application data for a financial card applicant;
means for providing a rating for said financial card applicant, said rating based on said application data; and
means for an applicant to review a plurality of financial card offers, said offers including said financial card term data and located by comparing said rating to an existing rating schedule assigned to said financial card term data.
2. The system of claim 1, having a means for said financial card applicant to accept at least one of said financial card offers.
3. The system of claim 1, having a means for said participating financial institutions to modify said financial card term data.
4. The system of claim 1, having a means for said participating financial institutions to modify said ratings associated with said financial card term data.
5. The system of claim 1, wherein said financial card term data and said associated ratings are organized in a matrix.
6. The system of claim 1, wherein said rating is a financial risk rating.
7. The system of claim 1, wherein said financial card applicant rating is determined in accordance with data from a credit bureau.
8. The system of claim 6, wherein said financial risk rating is a grade and score combination.
9. The system of claim 1, wherein said electronic financial card application system is accessible via the Internet/World Wide Web.
10. The system of claim 1, wherein said financial card term data include an interest rate and credit limit.
11. An electronic method for applying for a financial card, comprising the steps of
(a) storing financial institution data for participating financial institutions;
(b) storing financial card term data for each of said participating financial institutions;
(c)providing ratings associated with said financial card term data;
(d) prompting an applicant for application data;
(e) assigning a rating to said applicant;
(f) locating financial card offers, said offers including said financial card term data selected by comparing said rating with an existing schedule assigned to said financial card term data; and
(g) presenting said financial card offers to said applicant.
12. The method of claim 11 further comprising the step of determining said applicant's acceptance of at least one of said financial card offers.
13. The method of claim 11 further comprising the step of sending said applicant a financial card in accordance with said financial card term data of said accepted financial card offer.
14. The method of claim 11 wherein said rating is a financial risk rating.
15. The method of claim 11 wherein said rating is a grade and score combination.
16. The method of claim 11 wherein said financial card term data are provided by participating financial institutions.
17. The method of claim 16 wherein said participating financial institutions assign ratings to said financial card term data.
18. The method of claim 16 wherein said participating financial institutions may modify said financial card term data and said assigned ratings.
19. The method of claim 18 further comprising the step of uploading said modified financial card term data and said assigned ratings.
20. The method of claim 17 further comprising the step of organizing said financial card term data and said assigned ratings in a matrix.
21. A method for presenting electronic financial card offers on the World Wide Web comprising the step of:
(a) creating a World Wide Web site, said site associated with an identifier for accessing said site;
(b) defining terms for financial cards;
(c) associating ratings with said financial card terms;
(d) uploading said financial card terms with said associated ratings to said site;
(e) defining a rating for a financial card applicant accessing said site using said identifier;
(f) locating offers to present to said financial card applicant, said offers located by comparing said financial card applicant rating with said ratings associated with said financial card terms; and
(g) presenting said offers to said financial card applicant.
22. The method of claim 21 further comprising the step of modifying financial card terms and said associated ratings.
23. The method of claim 19 further comprising the step of determining acceptance of at least one of said offers by said applicant.
24. The method of claim 23 further comprising the step of sending information regarding said applicant to a participating financial institution sponsoring said offer accepted by said applicant.
25. The method of claim 24 further comprising the step of sending to said applicant a financial card in accordance with said offer accepted by said applicant.
26. The method of claim 21 wherein said applicant rating is assigned in accordance with review of personal, financial, and credit bureau data regarding said applicant.
27. A financial card application system accessible via the World Wide Web comprising:
a World Wide Web site with at least one server for communicating with a financial card applicant;
at least one database for storing financial card term data and ratings assigned to said financial card term data, said financial card term data and assigned ratings provided by participating financial institutions;
at least one device for accessing data from third party sources;
application data for said financial card applicant;
a rating for said financial card applicant, said rating determined in accordance with said application data and data from said third party sources;
financial card offers for said applicant, said offers including said financial card term data and located by comparing said financial card applicant rating with said ratings assigned to said financial card terms; and
a computer display for presenting said financial card offers to said applicant.
28. An apparatus for presenting financial card offers to an applicant, comprising:
at least one server for providing access to financial institution data for a plurality of financial institutions and access to financial card term data for each of said plurality of financial institutions;
a client computer for establishing a connection to said at least one server and entering financial application data to be processed by said at least one server, said financial application data entered by said applicant; and
a processing means at said server for associating a first rating with said financial card term data for each of said plurality of financial institutions, for associating a second rating with said applicant, for comparing said first rating and said second rating, and for presenting to said applicant via said client computer financial card term data for which said second rating is at least equal to said first rating.
29. The apparatus of claim 28 wherein said second rating is a financial risk rating determined in accordance with said financial application data entered by said applicant.
30. The apparatus of claim 28 wherein said second rating is a grade and score combination determined in accordance with said financial application data entered by said applicant.
31. The apparatus of claim 28 wherein said at least one server is accessible via the World Wide Web.
32. The apparatus of claim 28 wherein said financial application data includes the applicant's name, telephone number, address, email address, income, other asserts and liabilities, and bank account numbers.
33. The apparatus of claim 28 wherein said financial card term data includes annual fee information and an annual percentage rate.
US08/635,334 1996-04-19 1996-04-19 Real-time financial card application system Expired - Lifetime US6014645A (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US08/635,334 US6014645A (en) 1996-04-19 1996-04-19 Real-time financial card application system
US09/323,715 US7310617B1 (en) 1996-04-19 1999-06-01 Real-time financial card offer and application system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US08/635,334 US6014645A (en) 1996-04-19 1996-04-19 Real-time financial card application system

Related Child Applications (1)

Application Number Title Priority Date Filing Date
US09/323,715 Continuation US7310617B1 (en) 1996-04-19 1999-06-01 Real-time financial card offer and application system

Publications (1)

Publication Number Publication Date
US6014645A true US6014645A (en) 2000-01-11

Family

ID=24547375

Family Applications (2)

Application Number Title Priority Date Filing Date
US08/635,334 Expired - Lifetime US6014645A (en) 1996-04-19 1996-04-19 Real-time financial card application system
US09/323,715 Expired - Fee Related US7310617B1 (en) 1996-04-19 1999-06-01 Real-time financial card offer and application system

Family Applications After (1)

Application Number Title Priority Date Filing Date
US09/323,715 Expired - Fee Related US7310617B1 (en) 1996-04-19 1999-06-01 Real-time financial card offer and application system

Country Status (1)

Country Link
US (2) US6014645A (en)

Cited By (403)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001018718A1 (en) * 1999-09-09 2001-03-15 Taylor Hugh Gibbs Jr System and method for evaluating credit risks
WO2001018708A1 (en) * 1999-09-03 2001-03-15 Capital One Financial Corporation System and method for offering and providing secured credit card products
WO2001065440A1 (en) * 2000-02-28 2001-09-07 Cardclues.Com, L.L.C. System and method for facilitating selection of a credit card
WO2001067323A1 (en) * 2000-03-06 2001-09-13 Investoria Inc. Financial product trading method, fanatical product trading system, and translation system
US20010029477A1 (en) * 1997-07-11 2001-10-11 Chase Manhattan Bank Method for mortgage and closed end loan portfolio management
WO2001080123A1 (en) * 2000-04-14 2001-10-25 Livecapital, Inc. Online credit services brokering
US20010037288A1 (en) * 2000-03-21 2001-11-01 Bennett James D. Online purchasing system supporting lenders with affordability screening
US20010039516A1 (en) * 2000-03-21 2001-11-08 Bennett James D. Online purchasing system supporting sellers with affordability screening
US6324524B1 (en) 1998-11-03 2001-11-27 Nextcard, Inc. Method and apparatus for an account level offer of credit and real time balance transfer
US20010047307A1 (en) * 2000-03-21 2001-11-29 Bennett James D. Online purchasing system supporting buyer affordability screening
US20010054022A1 (en) * 2000-03-24 2001-12-20 Louie Edmund H. Syndication loan administration and processing system
US20010056475A1 (en) * 1995-12-20 2001-12-27 Anderson William P. System for on-line financial services using distributed objects
US20020019945A1 (en) * 2000-04-28 2002-02-14 Internet Security System, Inc. System and method for managing security events on a network
US20020026410A1 (en) * 2000-03-01 2002-02-28 Prosecute Paperless online merchant account approval and provisioning system and method therefor
GB2366412A (en) * 2000-12-15 2002-03-06 Fortunebright Ltd Personalised financial product
US20020040312A1 (en) * 2000-10-02 2002-04-04 Dhar Kuldeep K. Object based workflow system and method
WO2002029691A1 (en) * 2000-10-06 2002-04-11 Argus Information & Advisory Services, Llc System and method for revolving credit product offer customization
US20020049588A1 (en) * 1993-03-24 2002-04-25 Engate Incorporated Computer-aided transcription system using pronounceable substitute text with a common cross-reference library
US6385594B1 (en) 1998-05-08 2002-05-07 Lendingtree, Inc. Method and computer network for co-ordinating a loan over the internet
US20020056076A1 (en) * 2000-10-24 2002-05-09 Vcis, Inc. Analytical virtual machine
US20020062373A1 (en) * 2000-09-20 2002-05-23 Skingle Bruce James System and method for portal infrastructure tracking
US20020069158A1 (en) * 2000-12-01 2002-06-06 Larkin Cameron J. Method and system for providing a secured multi-purpose electronic account
US6405181B2 (en) * 1998-11-03 2002-06-11 Nextcard, Inc. Method and apparatus for real time on line credit approval
US20020077978A1 (en) * 2000-06-22 2002-06-20 The Chase Manhattan Bank Method and system for processing internet payments
US20020078381A1 (en) * 2000-04-28 2002-06-20 Internet Security Systems, Inc. Method and System for Managing Computer Security Information
US6422462B1 (en) * 1998-03-30 2002-07-23 Morris E. Cohen Apparatus and methods for improved credit cards and credit card transactions
US20020104014A1 (en) * 2001-01-31 2002-08-01 Internet Security Systems, Inc. Method and system for configuring and scheduling security audits of a computer network
US20020114522A1 (en) * 2000-12-21 2002-08-22 Rene Seeber System and method for compiling images from a database and comparing the compiled images with known images
US20020123962A1 (en) * 2001-03-02 2002-09-05 Bryman Evan L. System and method for providing a reaffirmation credit card including an increasing credit limit
WO2002069220A1 (en) * 2001-02-27 2002-09-06 American Express Travel Related Services Company, Inc. Online card activation system and method
US20020138409A1 (en) * 2001-03-21 2002-09-26 Capital One Financial Corporation Method and system for offering debt recovery products to a customer
US20020138418A1 (en) * 2001-03-20 2002-09-26 Zarin Marjorie Faith Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account
US20020147669A1 (en) * 2001-01-19 2002-10-10 Taylor James W. System and method for offering a financial product
US20020152106A1 (en) * 2001-02-13 2002-10-17 Paul Stoxen Electronic acquisition system and method
US20020156720A1 (en) * 2001-02-13 2002-10-24 Christina Chow Real-time brokerage account application system and method
WO2002086682A2 (en) * 2001-04-20 2002-10-31 Capital One Financial Corporation System and method for offering customized credit card products
US20020165775A1 (en) * 2001-03-05 2002-11-07 American Express Travel Related Services System and method for integrating offers
US20020184532A1 (en) * 2001-05-31 2002-12-05 Internet Security Systems Method and system for implementing security devices in a network
US20020194118A1 (en) * 2001-06-15 2002-12-19 Nassar John Z. Method for processing an asset-secured credit application
US20030028483A1 (en) * 2001-07-26 2003-02-06 First Usa Bank, N.A. System and method for funding a collective account
US20030036995A1 (en) * 2001-08-16 2003-02-20 Lazerson Jeffrey M. Credit/financing process
US20030036996A1 (en) * 2001-08-16 2003-02-20 Lazerson Jeffrey M. Credit/financing process
US20030046235A1 (en) * 2001-05-25 2003-03-06 Dennis Lacivita System and method for interactive secure dialog between card holder and issuer
US20030065563A1 (en) * 1999-12-01 2003-04-03 Efunds Corporation Method and apparatus for atm-based cross-selling of products and services
US20030064788A1 (en) * 2001-06-13 2003-04-03 Walker Jay S. Method and apparatus for processing a reward offer for a self-forming group
US6567791B2 (en) * 1998-11-03 2003-05-20 Nextcard, Inc. Method and apparatus for a verifiable on line rejection of an application for credit
US20030101131A1 (en) * 2001-11-01 2003-05-29 Warren Mary Carter System and method for establishing or modifying an account with user selectable terms
US6591249B2 (en) * 2000-03-26 2003-07-08 Ron Zoka Touch scan internet credit card verification purchase process
US20030135462A1 (en) * 1998-11-17 2003-07-17 Brake Francis B. Customer activated multi-value (CAM) card
US20030144907A1 (en) * 2001-03-05 2003-07-31 American Express Travel Related Services Company, Inc. System and method for administering incentive offers
US20030158949A1 (en) * 2002-02-19 2003-08-21 Miller Lawrence R. System and method for single sign-on session management without central server
US20030163419A1 (en) * 2000-11-24 2003-08-28 Motoshi Asano Personal account management device and method for financial transaction
US20030163427A1 (en) * 2002-02-27 2003-08-28 Nicholas Ho Chung Fung Activity management method
US6615190B1 (en) 2000-02-09 2003-09-02 Bank One, Delaware, National Association Sponsor funded stored value card
US20030167207A1 (en) * 2001-07-10 2003-09-04 Berardi Michael J. System and method for incenting payment using radio frequency identification in contact and contactless transactions
US20030172017A1 (en) * 2002-03-11 2003-09-11 Vincent Feingold High performance multi-dimensional risk engines for enterprise wide market risk management
US20030182247A1 (en) * 2001-04-02 2003-09-25 Mobed Jeffrey N. User rewards program and associated communications system
US20030183688A1 (en) * 2002-03-26 2003-10-02 First Data Corporation System for forecasting amounts of materials needed for credit card reissue
US20030187781A1 (en) * 2002-03-26 2003-10-02 First Data Corporation Method and system for processing card reissue transactions
US20030187787A1 (en) * 2002-03-29 2003-10-02 Freund Peter C. System and process for performing purchase transactions using tokens
US20030212902A1 (en) * 2002-05-13 2003-11-13 Van Der Made Peter A.J. Computer immune system and method for detecting unwanted code in a P-code or partially compiled native-code program executing within a virtual machine
US20030216997A1 (en) * 2002-05-16 2003-11-20 Cohen Morris E. Financial cards
US6651884B2 (en) * 2002-03-26 2003-11-25 First Data Corporation System for ranking card reissue transactions
US20030218633A1 (en) * 2002-05-23 2003-11-27 Grinshetyn Mikhail Method and system for data capture with hidden applets
US20030233459A1 (en) * 2002-06-12 2003-12-18 Lawrence Miller Method and system for delayed cookie transmission in a client-server architecture
US20030236862A1 (en) * 2002-06-21 2003-12-25 Lawrence Miller Method and system for determining receipt of a delayed cookie in a client-server architecture
US20040002916A1 (en) * 2002-07-01 2004-01-01 Sarah Timmerman Systems and methods for managing balance transfer accounts
US20040010449A1 (en) * 2001-07-10 2004-01-15 Berardi Michael J. System and method for selecting load options for use in radio frequency identification in contact and contactless transactions
US20040025015A1 (en) * 2002-01-04 2004-02-05 Internet Security Systems System and method for the managed security control of processes on a computer system
US20040030639A1 (en) * 2002-02-22 2004-02-12 Lendingtree, Inc. Method and computer network for co-ordinating a loan over the internet
US20040039690A1 (en) * 1999-12-23 2004-02-26 Rategenius, Inc. Method and system for offering a loan through a computing system
US20040049451A1 (en) * 2001-07-10 2004-03-11 Berardi Michael J. System and method for payment using radio frequency identification in contact and contactless transactions
US20040078320A1 (en) * 1995-09-12 2004-04-22 Defrancesco James R. Computer implemented automated credit application analysis and decision routing system
US20040088219A1 (en) * 2002-11-05 2004-05-06 First Usa Bank, N.A. System and method for providing incentives to consumers to share information
US20040098323A1 (en) * 2002-11-14 2004-05-20 Reglnald Bowser Account management systems and methods
US20040110515A1 (en) * 2000-02-29 2004-06-10 Blumberg Brad W. System and method for providing information based on geographic position
US20040128229A1 (en) * 2002-12-30 2004-07-01 Fannie Mae System and method for processing data pertaining to financial assets
US20040133460A1 (en) * 2001-02-13 2004-07-08 Suzanne Berlin Electronic acquisition system and method using a portal to facilitate data validation and to provide a universal client interface
US20040138992A1 (en) * 1997-09-03 2004-07-15 Defrancesco James Computer implemented automated credit application analysis and decision routing system
US20040138997A1 (en) * 1995-09-12 2004-07-15 Defrancesco James R. Automated credit application system
US20040153418A1 (en) * 2003-02-05 2004-08-05 Hanweck Gerald Alfred System and method for providing access to data from proprietary tools
US20040153368A1 (en) * 2000-10-26 2004-08-05 Gregg Freishtat Systems and methods to facilitate selling of products and services
US6775641B2 (en) 2000-03-09 2004-08-10 Smartsignal Corporation Generalized lensing angular similarity operator
US20040158524A1 (en) * 1995-10-11 2004-08-12 Block Financial Corporation Financial information access system
US20040172302A1 (en) * 2002-04-30 2004-09-02 Martucci James P. System and method for verifying medical device operational parameters
US6795812B1 (en) * 1998-11-03 2004-09-21 Nextcard, Inc. Implementing a counter offer for an on line credit card application
US20040193539A1 (en) * 2000-02-23 2004-09-30 Bank One Corporation Mutual fund card method and system
US20040205019A1 (en) * 2003-04-08 2004-10-14 Lendingtree, Inc. Method and system for selecting qualification forms for financial services and financial products
US20040215553A1 (en) * 2002-12-30 2004-10-28 Fannie Mae System and method for facilitating sale of a loan to a secondary market purchaser
US20040215555A1 (en) * 2002-12-30 2004-10-28 Fannie Mae System and method for creating and tracking agreements for selling loans to a secondary market purchaser
US20040215554A1 (en) * 2002-12-30 2004-10-28 Fannie Mae System and method for verifying loan data at delivery
US20040220873A1 (en) * 2002-12-30 2004-11-04 Fannie Mae System and method for defining loan products
US20040225602A1 (en) * 2003-05-09 2004-11-11 American Express Travel Related Services Company, Inc. Systems and methods for managing account information lifecycles
US20040225597A1 (en) * 2002-12-30 2004-11-11 Fannie Mae System and method for processing data pertaining to financial assets
US20040225594A1 (en) * 2002-12-30 2004-11-11 Fannie Mae System and method for pricing loans in the secondary mortgage market
US20040230488A1 (en) * 2001-07-10 2004-11-18 American Express Travel Related Services Company, Inc. Method for using a sensor to register a biometric for use with a transponder-reader system
US20040233037A1 (en) * 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for iris scan recognition biometrics on a fob
US20040236647A1 (en) * 2003-05-23 2004-11-25 Ravi Acharya Electronic checkbook register
US20040243506A1 (en) * 2003-05-30 2004-12-02 Jayanta Das System and method for offering risk-based interest rates in a credit instrument
US20050004864A1 (en) * 2000-06-15 2005-01-06 Nextcard Inc. Implementing a counter offer for an on line credit card application
US20050027649A1 (en) * 2003-02-27 2005-02-03 Richard Cech Event typer
WO2005013057A2 (en) * 2003-07-25 2005-02-10 Jp Morgan Chase Bank Financial network-based payment card
US20050040221A1 (en) * 2001-08-13 2005-02-24 First Usa Bank N.A. System and method for funding a collective account by use of an electronic tag
US20050055555A1 (en) * 2003-09-05 2005-03-10 Rao Srinivasan N. Single sign-on authentication system
US20050065877A1 (en) * 2003-09-23 2005-03-24 Cleary Michael J. Method and system for distribution of unactivated bank account cards
US20050102229A1 (en) * 2002-12-30 2005-05-12 Kemper John L. Internet-enabled interface for a loan commitment system
US20050102226A1 (en) * 2002-12-30 2005-05-12 Dror Oppenheimer System and method of accounting for mortgage related transactions
US20050103841A1 (en) * 2003-11-14 2005-05-19 First Data Corporation Bulk card ordering system and methods
US20050120243A1 (en) * 2003-10-28 2005-06-02 Internet Security Systems, Inc. Method and system for protecting computer networks by altering unwanted network data traffic
US6907531B1 (en) 2000-06-30 2005-06-14 Internet Security Systems, Inc. Method and system for identifying, fixing, and updating security vulnerabilities
US20050149419A1 (en) * 2003-12-30 2005-07-07 Blumberg Brad W. System and method of creating an adjustable commission
US20050165695A1 (en) * 2002-07-09 2005-07-28 Berardi Michael J. System and method for payment using radio frequency identification in contact and contactless transactions
US20050182713A1 (en) * 2003-10-01 2005-08-18 Giancarlo Marchesi Methods and systems for the auto reconsideration of credit card applications
US6965865B2 (en) 1999-12-30 2005-11-15 Bank One Delaware N.A. System and method for integrated customer management
US20050268338A1 (en) * 2000-07-14 2005-12-01 Internet Security Systems, Inc. Computer immune system and method for detecting unwanted code in a computer system
US20050273406A1 (en) * 2003-04-08 2005-12-08 Lending Tree, Inc. Method and computer network for co-ordinating a loan over the internet
US20060004642A1 (en) * 1996-06-10 2006-01-05 Libman Richard M Automated reply generation direct marketing system
US6988082B1 (en) 2000-06-13 2006-01-17 Fannie Mae Computerized systems and methods for facilitating the flow of capital through the housing finance industry
US20060015390A1 (en) * 2000-10-26 2006-01-19 Vikas Rijsinghani System and method for identifying and approaching browsers most likely to transact business based upon real-time data mining
US20060041500A1 (en) * 2004-08-19 2006-02-23 Leadpoint, Inc. System for implementing automated open market auctioning of leads
US20060069619A1 (en) * 1997-10-09 2006-03-30 Walker Jay S Systems and methods for facilitating group rewards
US20060080593A1 (en) * 2004-10-08 2006-04-13 Alexander Hudspith System and method for generating computer-readable documents
US20060089894A1 (en) * 2004-10-04 2006-04-27 American Express Travel Related Services Company, Financial institution portal system and method
US20060095307A1 (en) * 2004-11-01 2006-05-04 Stevenson Jeffrey W Method and system for establishing a defined benefit plan
US20060100944A1 (en) * 2004-11-10 2006-05-11 Lendingtree, Llc Method and computer network for co-ordinating financial services/products
US20060111980A1 (en) * 2001-01-18 2006-05-25 First Usa Bank, Na System and method for administering a brokerage rebate card program
US20060129835A1 (en) * 1999-07-02 2006-06-15 Kimberly Ellmore System and method for single sign on process for websites with multiple applications and services
US20060131396A1 (en) * 2000-12-06 2006-06-22 First Usa Bank, National Association Selectable Multi-Purpose Card
US20060136306A1 (en) * 1999-08-16 2006-06-22 Rothman Michael J System and method for gathering and standardizing customer purchase information for target marketing
US20060155642A1 (en) * 2004-08-19 2006-07-13 Leadpoint, Inc. Ranking system using instant post-transaction surveying of transaction judges
US20060167782A1 (en) * 1999-06-04 2006-07-27 First Usa Bank, N.A. Credit instrument and system providing multiple services including access to credit services and access to a service provider club
US20060173791A1 (en) * 2001-09-21 2006-08-03 First Usa Bank, N.A. System for providing cardless payment
US7096198B1 (en) * 1997-06-16 2006-08-22 Vincent Cuervo Internet web site program for the purchase, issue and dispensing of debit cards
US20060190723A1 (en) * 2005-02-18 2006-08-24 Jp Morgan Chase Bank Payload layer security for file transfer
US20060190394A1 (en) * 1997-09-12 2006-08-24 Imx Mortgage Exchange Interactive mortgage and loan information and real-time trading system
US20060259364A1 (en) * 2002-10-11 2006-11-16 Bank One, Delaware, National Association System and method for granting promotional rewards to credit account holders
US20060265259A1 (en) * 2004-08-19 2006-11-23 Marc Diana Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers
US20060277083A1 (en) * 2000-04-07 2006-12-07 Craig Spielmann Method and system for managing risk
US20060277123A1 (en) * 2003-07-31 2006-12-07 William Kennedy Integrated electronic credit application, contracting and securitization system and method
US20070027799A1 (en) * 2005-07-29 2007-02-01 Jpmorgan Chase Bank, N.A. Universal line of credit having multiple financial product features
US7181486B1 (en) 1998-12-07 2007-02-20 Network Ice Corporation Method and apparatus for remote installation of network drivers and software
US20070052517A1 (en) * 2001-07-10 2007-03-08 American Express Travel Related Services Company, Inc. Systems and methods for non-traditional payment using biometric data
US20070061254A1 (en) * 2005-09-15 2007-03-15 Richard Blunck Systems and methods for opening, funding, and managing financial accounts
US20070061421A1 (en) * 2005-09-14 2007-03-15 Liveperson, Inc. System and method for performing follow up based on user interactions
US20070061206A1 (en) * 2005-08-15 2007-03-15 Lefebvre Dale System and method for providing rapid rebate payments
US20070061883A1 (en) * 1999-07-14 2007-03-15 Symantec Corporation System and method for generating fictitious content for a computer
US20070078719A1 (en) * 2001-11-01 2007-04-05 Jp Morgan Chase Bank S/M for offering reward programs
US20070100936A1 (en) * 1999-12-07 2007-05-03 Internet Security Systems, Inc. Method and apparatus for remote installation of network drivers and software
US20070118350A1 (en) * 2001-06-19 2007-05-24 Vcis, Inc. Analytical virtual machine
US20070157315A1 (en) * 1999-08-30 2007-07-05 Symantec Corporation System and method for using timestamps to detect attacks
US20070198438A1 (en) * 2005-12-07 2007-08-23 American Express Travel Related Services Co. Inc. System, method and computer program product for an acquisition partner interface for integrating multiple partner channels into a transaction account issuer platform
US20070226141A1 (en) * 1998-06-22 2007-09-27 Phillips Gregory J Debit Purchasing Of Stored Value Card For Use By And/Or Delivery To Others
US20070239446A1 (en) * 1993-03-24 2007-10-11 Engate Incorporated Down-line Transcription System Using Automatic Tracking And Revenue Collection
US20070244816A1 (en) * 2006-04-14 2007-10-18 Mustafa Patni Systems and methods for opening, funding, and/or using a financial account, such as a checking account
US20070250315A1 (en) * 1999-06-24 2007-10-25 Engate Incorporated Downline Transcription System Using Automatic Tracking And Revenue Collection
US20070260706A1 (en) * 2001-09-19 2007-11-08 Jpmorgan Chase Bank System and method for portal infrastructure tracking
US20070260472A1 (en) * 1993-03-24 2007-11-08 Engate Incorporated Attorney Terminal Having Outline Preparation Capabilities For Managing Trial Proceedings
US20070283171A1 (en) * 2002-09-17 2007-12-06 Jpmorgan Chase Bank, N.A. System and method for managing data privacy
US20070288359A1 (en) * 2006-04-18 2007-12-13 Susan Amadio Processing of credit applications
US20070288364A1 (en) * 1999-11-04 2007-12-13 Gendler Joesph System and method for automatic financial project management
US20070296551A1 (en) * 2001-07-10 2007-12-27 American Express Travel Related Services Company, Inc. System for biometric security using a fob
US20080015979A1 (en) * 2006-07-14 2008-01-17 Shanan Bentley Web-based searching for payment card products with credit pre-approvals
US20080016569A1 (en) * 2000-10-10 2008-01-17 Internet Security Systems, Inc. Method and System for Creating a Record for One or More Computer Security Incidents
US20080016180A1 (en) * 2001-07-12 2008-01-17 Jpmorganchase Bank, N.A. System And Method For Providing Discriminated Content to Network Users
US20080021840A1 (en) * 2001-07-10 2008-01-24 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a fob
US20080027861A1 (en) * 1999-11-04 2008-01-31 Gendler Joseph System and method for automatic financial project management
US20080065569A1 (en) * 2006-08-11 2008-03-13 Rajsaday Dutt Real-time product matching
US20080077462A1 (en) * 1999-11-15 2008-03-27 The Chase Manhattan Bank Personalized interactive network architecture
US7356503B1 (en) 2001-02-21 2008-04-08 Fair Isaac And Company, Inc. ASP business decision engine
US20080091593A1 (en) * 2006-04-28 2008-04-17 Rockne Egnatios Methods and systems for opening and funding a financial account online
US20080103960A1 (en) * 2006-10-27 2008-05-01 Mortgage Innovations, Inc. Dba Lionsaves.Com System and method for a website that provides homeowners with a web based tool for debt consolidation options
US20080109378A1 (en) * 2006-10-10 2008-05-08 Odiseas Papadimitriou Financial product frequent identification and comparision service
US7376891B2 (en) 1998-06-04 2008-05-20 Collegenet, Inc. Universal forms engine
US20080120211A1 (en) * 2002-12-30 2008-05-22 Dror Oppenheimer System and method for modifying attribute data pertaining to financial assets in a data processing system
US20080141349A1 (en) * 1999-07-14 2008-06-12 Symantec Corporation System and method for computer security
US20080162256A1 (en) * 2006-12-29 2008-07-03 American Express Travel Related Services Company System and method for profiling consumers and creating a recommended or customer card
US20080162255A1 (en) * 2006-12-29 2008-07-03 American Express Travel Related Services Company System and method for presenting a competitive comparison of a recommended or custom card
US20080167956A1 (en) * 2007-01-09 2008-07-10 I4 Commerce Inc. Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale
US20080177659A1 (en) * 2007-01-19 2008-07-24 Timothy Douglas Lacey Systems and methods for providing financial processing in conjunction with instant messaging and other communications
US20080183425A1 (en) * 2006-12-15 2008-07-31 Smart Signal Corporation Robust distance measures for on-line monitoring
US20080215291A1 (en) * 2000-03-09 2008-09-04 Wegerich Stephan W Complex signal decomposition and modeling
US20080216173A1 (en) * 1999-07-29 2008-09-04 International Business Machines Corporation Method and Apparatus for Auditing Network Security
US7424617B2 (en) 2000-08-14 2008-09-09 Yahoo! Inc. Offline-online incentive points system and method
WO2008118974A1 (en) * 2007-03-26 2008-10-02 Revolution Money Inc. System and method for fluid financial markets
US7451095B1 (en) * 2002-10-30 2008-11-11 Freddie Mac Systems and methods for income scoring
US20080277465A1 (en) * 2005-05-27 2008-11-13 Jpmorgan Chase Bank, Na Method and system for implementing a card product with multiple customized relationships
US7461402B1 (en) 1999-07-14 2008-12-02 Symantec Corporation System and method for preventing detection of a selected process running on a computer
US7467106B1 (en) 2004-06-18 2008-12-16 Jpmorgan Chase Bank, N.A. System and method for offer management
US20090008441A1 (en) * 2001-07-10 2009-01-08 Xatra Fund Mx, Llc Tracking rf transaction activity using a transaction device identifier
US7505938B2 (en) * 2002-06-20 2009-03-17 Alliance Data Systems Corporation Interactive voice response quick credit system and associated methods
US20090099914A1 (en) * 2007-10-16 2009-04-16 Alliance Data Systems Corporation Automated transactional credit system and method for electronic transactions
US20090153302A1 (en) * 2001-07-10 2009-06-18 American Express Travel Related Services Company, Inc. Method and system for tracking user performance
US7552080B1 (en) * 2001-03-09 2009-06-23 Nextcard, Llc Customized credit offer strategy based on terms specified by an applicant
US20090192934A1 (en) * 2008-01-30 2009-07-30 The Western Union Company Consumer Lending Using A Money Transfer Network Systems And Methods
US7593893B1 (en) 2000-06-13 2009-09-22 Fannie Mae Computerized systems and methods for facilitating the flow of capital through the housing finance industry
US7599795B1 (en) 2000-02-29 2009-10-06 Smarter Agent, Llc Mobile location aware search engine and method of providing content for same
US20090271853A1 (en) * 2002-03-25 2009-10-29 Bank One, Delaware, National Association Systems and methods for time variable financial authentication
US20090313106A1 (en) * 2006-02-08 2009-12-17 Jpmorgan Chase Bank, N.A. System and Method for Granting Promotional Rewards to Both Customers and Non-Customers
US20090313163A1 (en) * 2004-02-13 2009-12-17 Wang ming-huan Credit line optimization
US7650314B1 (en) 2001-05-25 2010-01-19 American Express Travel Related Services Company, Inc. System and method for securing a recurrent billing transaction
US7653592B1 (en) 2003-12-01 2010-01-26 Fannie Mae System and method for processing a loan
US7657475B1 (en) 2003-12-31 2010-02-02 Fannie Mae Property investment rating system and method
US20100030675A1 (en) * 2001-12-06 2010-02-04 Hanan Christopher C Payor focused business to business electronic invoice presentment and accounts payable reconciliation system and method
US7660763B1 (en) 1998-11-17 2010-02-09 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US7676425B1 (en) 2002-07-29 2010-03-09 Jpmorgan Chase Bank, N.A. Method and system for providing flexible financing
US20100070311A1 (en) * 2006-04-27 2010-03-18 Clark Allan Heydon Insurance Policy Revisioning Method
US20100070354A1 (en) * 2008-09-12 2010-03-18 Visa Usa, Inc. System and method for a merchant debit card program including a plurality of issuers
US7685064B1 (en) 2004-11-30 2010-03-23 Jp Morgan Chase Bank Method and apparatus for evaluating a financial transaction
US20100082416A1 (en) * 2003-10-21 2010-04-01 Lee Blackman Subcred
US7702580B1 (en) 2000-06-13 2010-04-20 Fannie Mae System and method for mortgage loan pricing, sale and funding
US7705732B2 (en) 2001-07-10 2010-04-27 Fred Bishop Authenticating an RF transaction using a transaction counter
US7711574B1 (en) 2001-08-10 2010-05-04 Federal Home Loan Mortgage Corporation (Freddie Mac) System and method for providing automated value estimates of properties as of a specified previous time period
US7725427B2 (en) 2001-05-25 2010-05-25 Fred Bishop Recurrent billing maintenance with radio frequency payment devices
US7742980B1 (en) 2002-11-15 2010-06-22 Imx, Inc. Automated loan approval system
US7742958B1 (en) 2004-11-08 2010-06-22 Hrb Tax Group, Inc. System and method for preparing a tax return using electronically distributed tax return data
US7746215B1 (en) 2001-07-10 2010-06-29 Fred Bishop RF transactions using a wireless reader grid
US7747526B1 (en) 2006-03-27 2010-06-29 Fannie Mae System and method for transferring mortgage loan servicing rights
US7747463B1 (en) 1998-06-22 2010-06-29 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US7753259B1 (en) 2006-04-13 2010-07-13 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US7756779B1 (en) 2004-02-13 2010-07-13 Fannie Mae System and method for determining compliance with a delegated underwriting and servicing agreement
US7756896B1 (en) 2002-03-11 2010-07-13 Jp Morgan Chase Bank System and method for multi-dimensional risk analysis
US7756816B2 (en) 2002-10-02 2010-07-13 Jpmorgan Chase Bank, N.A. System and method for network-based project management
US7762457B2 (en) 2001-07-10 2010-07-27 American Express Travel Related Services Company, Inc. System and method for dynamic fob synchronization and personalization
US20100205024A1 (en) * 2008-10-29 2010-08-12 Haggai Shachar System and method for applying in-depth data mining tools for participating websites
US7775425B1 (en) * 1999-12-29 2010-08-17 First Data Corporation System and method for approving a limit of check cashing over time
US20100217649A1 (en) * 2009-02-23 2010-08-26 Creditcards.Com Method, system, and computer program product for filtering of financial advertising
US7797166B1 (en) * 2002-10-30 2010-09-14 Federal Home Loan Mortgage Corporation (Freddie Mac) Systems and methods for generating a model for income scoring
US7793845B2 (en) 2004-07-01 2010-09-14 American Express Travel Related Services Company, Inc. Smartcard transaction system and method
US7801816B2 (en) 2001-05-23 2010-09-21 Jp Morgan Chase Bank, N.A. System and method for currency selectable stored value instrument
US7801809B1 (en) 2005-06-24 2010-09-21 Fannie Mae System and method for management of delegated real estate project reviews
US7805378B2 (en) 2001-07-10 2010-09-28 American Express Travel Related Servicex Company, Inc. System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions
US7809595B2 (en) 2002-09-17 2010-10-05 Jpmorgan Chase Bank, Na System and method for managing risks associated with outside service providers
US7814332B2 (en) 2001-07-10 2010-10-12 Blayn W Beenau Voiceprint biometrics on a payment device
US7822680B1 (en) 2003-12-31 2010-10-26 Fannie Mae System and method for managing data pertaining to a plurality of financial assets for multifamily and housing developments
US7827106B2 (en) 2001-07-10 2010-11-02 American Express Travel Related Services Company, Inc. System and method for manufacturing a punch-out RFID transaction device
US7831508B1 (en) 2000-06-23 2010-11-09 Jpmorgan Chase Bank, N.A. System and method for implementing a consolidated application process
US7831467B1 (en) 2000-10-17 2010-11-09 Jpmorgan Chase Bank, N.A. Method and system for retaining customer loyalty
US7831441B1 (en) * 2000-08-08 2010-11-09 Aol Inc. Online reactivation of an account or service
US7831468B1 (en) * 2001-11-28 2010-11-09 Conte Robert V System for customizing benefits for financial customers
US7831509B2 (en) 1999-07-26 2010-11-09 Jpmorgan Chase Bank, N.A. On-line higher education financing system
US7835960B2 (en) 2000-03-07 2010-11-16 American Express Travel Related Services Company, Inc. System for facilitating a transaction
US7835919B1 (en) 2001-08-10 2010-11-16 Freddie Mac Systems and methods for home value scoring
US7837116B2 (en) 1999-09-07 2010-11-23 American Express Travel Related Services Company, Inc. Transaction card
US7860789B2 (en) 2001-07-24 2010-12-28 Jpmorgan Chase Bank, N.A. Multiple account advanced payment card and method of routing card transactions
US20110029390A1 (en) * 1996-06-10 2011-02-03 Phoenix Licensing, Llc System, method, and computer program product for selecting and presenting financial products and services
US7885889B2 (en) 2002-12-30 2011-02-08 Fannie Mae System and method for processing data pertaining to financial assets
US20110055207A1 (en) * 2008-08-04 2011-03-03 Liveperson, Inc. Expert Search
US20110055247A1 (en) * 2009-09-01 2011-03-03 Blumberg Brad W Provider-specific branding of generic mobile real estate search application
US7913303B1 (en) 2003-01-21 2011-03-22 International Business Machines Corporation Method and system for dynamically protecting a computer system from attack
US7925535B2 (en) 2001-07-10 2011-04-12 American Express Travel Related Services Company, Inc. System and method for securing RF transactions using a radio frequency identification device including a random number generator
US7925578B1 (en) 2005-08-26 2011-04-12 Jpmorgan Chase Bank, N.A. Systems and methods for performing scoring optimization
US7930241B1 (en) * 1999-06-14 2011-04-19 Sollen Technologies LLC Mortgage information exchange platform for a broker to select a mortgage lender
US7934254B2 (en) 1998-12-09 2011-04-26 International Business Machines Corporation Method and apparatus for providing network and computer system security
US20110099081A1 (en) * 2007-03-30 2011-04-28 Leadpoint, Inc. System for Automated Trading of Informational Items and Having Integrated Ask-and-Post Features
US7953663B1 (en) * 2003-09-04 2011-05-31 Jpmorgan Chase Bank, N.A. System and method for financial instrument pre-qualification and offering
US7970722B1 (en) 1999-11-08 2011-06-28 Aloft Media, Llc System, method and computer program product for a collaborative decision platform
US7987501B2 (en) 2001-12-04 2011-07-26 Jpmorgan Chase Bank, N.A. System and method for single session sign-on
US7996324B2 (en) 2001-07-10 2011-08-09 American Express Travel Related Services Company, Inc. Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
US8001043B1 (en) * 1997-03-12 2011-08-16 Walker Digital, Llc Method, apparatus, and program for customizing credit accounts
US8001054B1 (en) 2001-07-10 2011-08-16 American Express Travel Related Services Company, Inc. System and method for generating an unpredictable number using a seeded algorithm
US8010422B1 (en) * 1998-11-03 2011-08-30 Nextcard, Llc On-line balance transfers
US8015084B1 (en) 2000-09-06 2011-09-06 Jpmorgan Chase Bank, N.A. System and method for linked account having sweep feature
US8020754B2 (en) 2001-08-13 2011-09-20 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US8033451B2 (en) 2001-08-13 2011-10-11 Jpmorgan Chase Bank, National Association System and method for funding a collective account by use of an electronic tag
US8036978B1 (en) * 1999-12-31 2011-10-11 Pitney Bowes Inc. Method of upgrading third party functionality in an electronic fraud management system
US8046298B1 (en) 2003-07-21 2011-10-25 Fannie Mae Systems and methods for facilitating the flow of capital through the housing finance industry
USRE43157E1 (en) 2002-09-12 2012-02-07 Xatra Fund Mx, Llc System and method for reassociating an account number to another transaction account
WO2012019223A1 (en) * 2010-08-11 2012-02-16 Retail Money Market Ltd A retail contract matching system
US8126772B1 (en) 2005-08-15 2012-02-28 Dale LeFebvre Rebate cross-sell network and systems and methods implementing the same
US8145567B2 (en) 2000-10-31 2012-03-27 Wells Fargo Bank, N.A. Transaction ID system and process
US8160960B1 (en) 2001-06-07 2012-04-17 Jpmorgan Chase Bank, N.A. System and method for rapid updating of credit information
US20120101833A1 (en) * 2001-01-19 2012-04-26 C-Sam, Inc. Transactional services
US8175908B1 (en) 2003-09-04 2012-05-08 Jpmorgan Chase Bank, N.A. Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data
US8185877B1 (en) 2005-06-22 2012-05-22 Jpmorgan Chase Bank, N.A. System and method for testing applications
US8190893B2 (en) 2003-10-27 2012-05-29 Jp Morgan Chase Bank Portable security transaction protocol
USRE43460E1 (en) 2000-01-21 2012-06-12 Xatra Fund Mx, Llc Public/private dual card system and method
US8204826B2 (en) 2000-10-31 2012-06-19 Wells Fargo Bank, N.A. Method and apparatus for integrated payments processing and decisioning for internet transactions
US8224723B2 (en) 2002-05-31 2012-07-17 Jpmorgan Chase Bank, N.A. Account opening system, method and computer program product
US8275577B2 (en) 2006-09-19 2012-09-25 Smartsignal Corporation Kernel-based method for detecting boiler tube leaks
US8289136B2 (en) 2001-07-10 2012-10-16 Xatra Fund Mx, Llc Hand geometry biometrics on a payment device
US8294552B2 (en) 2001-07-10 2012-10-23 Xatra Fund Mx, Llc Facial scan biometrics on a payment device
US8321682B1 (en) 2008-01-24 2012-11-27 Jpmorgan Chase Bank, N.A. System and method for generating and managing administrator passwords
US20120317008A1 (en) * 2011-06-13 2012-12-13 Revathi Subramanian Computer-Implemented Systems And Methods For Handling And Scoring Enterprise Data
US20120317027A1 (en) * 2011-06-13 2012-12-13 Ho Ming Luk Computer-Implemented Systems And Methods For Real-Time Scoring Of Enterprise Data
US8370253B1 (en) 2001-07-12 2013-02-05 David Daniel Grossman Method and apparatus for credit brokering for point-of-sale leasing
US8408455B1 (en) 2006-02-08 2013-04-02 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US8417601B1 (en) 2007-10-18 2013-04-09 Jpmorgan Chase Bank, N.A. Variable rate payment card
US8429006B1 (en) 2004-06-18 2013-04-23 Jpmorgan Chase Bank, N.A. System and method for offer targeting
US20130110690A1 (en) * 2011-10-26 2013-05-02 American Express Travel Related Services Company, Inc. Systems and methods for transaction account customer acquisition, enrollment, and management
US8438086B2 (en) 2000-06-12 2013-05-07 Jpmorgan Chase Bank, N.A. System and method for providing customers with seamless entry to a remote server
US8473735B1 (en) 2007-05-17 2013-06-25 Jpmorgan Chase Systems and methods for managing digital certificates
US8489497B1 (en) 2006-01-27 2013-07-16 Jpmorgan Chase Bank, N.A. Online interactive and partner-enhanced credit card
US8504438B2 (en) 2000-03-21 2013-08-06 James D. Bennett Online purchasing system supporting lenders with affordability screening
US8533111B1 (en) 2004-08-03 2013-09-10 Jpmorgan Chase Bank, N.A. System and method for providing promotional pricing
US8533030B1 (en) 2004-08-30 2013-09-10 Jpmorgan Chase Bank, N.A. In-bound telemarketing system for processing customer offers
US8538863B1 (en) 2001-07-10 2013-09-17 American Express Travel Related Services Company, Inc. System and method for facilitating a transaction using a revolving use account associated with a primary account
US8543423B2 (en) 2002-07-16 2013-09-24 American Express Travel Related Services Company, Inc. Method and apparatus for enrolling with multiple transaction environments
US8571975B1 (en) 1999-11-24 2013-10-29 Jpmorgan Chase Bank, N.A. System and method for sending money via E-mail over the internet
US8571971B1 (en) 2002-04-19 2013-10-29 Wells Fargo Bank, N.A. Credit application status monitor
US8583612B2 (en) 2007-08-29 2013-11-12 Enpulz, L.L.C. Whois server verifying whois records and search engine accesses
US8583926B1 (en) 2005-09-19 2013-11-12 Jpmorgan Chase Bank, N.A. System and method for anti-phishing authentication
US8620853B2 (en) 2011-07-19 2013-12-31 Smartsignal Corporation Monitoring method using kernel regression modeling with pattern sequences
US8626523B1 (en) 2005-04-12 2014-01-07 MedOne Systems, LLC Patient voice check-in system
US8630898B1 (en) 2005-02-22 2014-01-14 Jpmorgan Chase Bank, N.A. Stored value card provided with merchandise as rebate
US8635131B1 (en) 2001-07-10 2014-01-21 American Express Travel Related Services Company, Inc. System and method for managing a transaction protocol
US8660980B2 (en) 2011-07-19 2014-02-25 Smartsignal Corporation Monitoring system using kernel regression modeling with pattern sequences
US8666965B2 (en) 2008-05-13 2014-03-04 Enpulz, L.L.C. Web search with visited web page search result restrictions
US8666879B1 (en) 2002-12-30 2014-03-04 Fannie Mae Method and system for pricing forward commitments for mortgage loans and for buying committed loans
US8676642B1 (en) 2007-07-05 2014-03-18 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to financial account holders
US8762313B2 (en) 2008-07-25 2014-06-24 Liveperson, Inc. Method and system for creating a predictive model for targeting web-page to a surfer
US8781905B2 (en) 2000-08-01 2014-07-15 Jpmorgan Chase Bank, N.A. System and method for transponder-enabled account transactions
US8782072B2 (en) 2008-06-05 2014-07-15 Enpulz, L.L.C. Search engine supporting mixed image and text search input
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
US8793490B1 (en) 2006-07-14 2014-07-29 Jpmorgan Chase Bank, N.A. Systems and methods for multifactor authentication
US8799200B2 (en) 2008-07-25 2014-08-05 Liveperson, Inc. Method and system for creating a predictive model for targeting webpage to a surfer
US8805739B2 (en) 2001-01-30 2014-08-12 Jpmorgan Chase Bank, National Association System and method for electronic bill pay and presentment
US8805941B2 (en) 2012-03-06 2014-08-12 Liveperson, Inc. Occasionally-connected computing interface
US8800857B1 (en) 2001-08-13 2014-08-12 Jpmorgan Chase Bank, N.A. System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag
US8849716B1 (en) 2001-04-20 2014-09-30 Jpmorgan Chase Bank, N.A. System and method for preventing identity theft or misuse by restricting access
US8892588B2 (en) 2008-06-05 2014-11-18 Enpulz, L.L.P. Search system employing multiple image based search processing approaches
US8918465B2 (en) 2010-12-14 2014-12-23 Liveperson, Inc. Authentication of service requests initiated from a social networking site
US8943002B2 (en) 2012-02-10 2015-01-27 Liveperson, Inc. Analytics driven engagement
US8960535B2 (en) 2001-07-10 2015-02-24 Iii Holdings 1, Llc Method and system for resource management and evaluation
US9002371B1 (en) 2000-02-29 2015-04-07 Smarter Agent, Llc Position-based information access device and method of searching
US9009184B2 (en) 2008-05-15 2015-04-14 Enpulz, Llc Web search with multi-language search input translation
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
US9058321B2 (en) 2008-05-16 2015-06-16 Enpluz, LLC Support for international search terms—translate as you crawl
USRE45615E1 (en) 2001-07-10 2015-07-14 Xatra Fund Mx, Llc RF transaction device
US9177061B2 (en) 2007-08-29 2015-11-03 Enpulz, Llc Search engine with geographical verification processing
US9223869B2 (en) 2008-05-16 2015-12-29 Rpx Corporation Browser based language recognition supporting central web search translation
US9250625B2 (en) 2011-07-19 2016-02-02 Ge Intelligent Platforms, Inc. System of sequential kernel regression modeling for forecasting and prognostics
US9256224B2 (en) 2011-07-19 2016-02-09 GE Intelligent Platforms, Inc Method of sequential kernel regression modeling for forecasting and prognostics
US9350598B2 (en) 2010-12-14 2016-05-24 Liveperson, Inc. Authentication of service requests using a communications initiation feature
US9419957B1 (en) 2013-03-15 2016-08-16 Jpmorgan Chase Bank, N.A. Confidence-based authentication
US9432468B2 (en) 2005-09-14 2016-08-30 Liveperson, Inc. System and method for design and dynamic generation of a web page
US9443268B1 (en) 2013-08-16 2016-09-13 Consumerinfo.Com, Inc. Bill payment and reporting
US9542553B1 (en) 2011-09-16 2017-01-10 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US9558519B1 (en) 2011-04-29 2017-01-31 Consumerinfo.Com, Inc. Exposing reporting cycle information
US9563336B2 (en) 2012-04-26 2017-02-07 Liveperson, Inc. Dynamic user interface customization
US9569797B1 (en) 2002-05-30 2017-02-14 Consumerinfo.Com, Inc. Systems and methods of presenting simulated credit score information
US9594907B2 (en) 2013-03-14 2017-03-14 Sas Institute Inc. Unauthorized activity detection and classification
US9608826B2 (en) 2009-06-29 2017-03-28 Jpmorgan Chase Bank, N.A. System and method for partner key management
US9626675B2 (en) 2005-10-06 2017-04-18 Mastercard Mobile Transaction Solutions, Inc. Updating a widget that was deployed to a secure wallet container on a mobile device
US20170109822A1 (en) * 2014-03-21 2017-04-20 ITG Software Solutions, Inc Network communication system for exchange trading
US9654541B1 (en) 2012-11-12 2017-05-16 Consumerinfo.Com, Inc. Aggregating user web browsing data
US9672196B2 (en) 2012-05-15 2017-06-06 Liveperson, Inc. Methods and systems for presenting specialized content using campaign metrics
US9690820B1 (en) 2007-09-27 2017-06-27 Experian Information Solutions, Inc. Database system for triggering event notifications based on updates to database records
US9697568B1 (en) 2013-03-14 2017-07-04 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US9710851B2 (en) 2000-02-15 2017-07-18 Jpmorgan Chase Bank, N.A. System and method for generating graphical user interface
US9710852B1 (en) 2002-05-30 2017-07-18 Consumerinfo.Com, Inc. Credit report timeline user interface
US9767212B2 (en) 2010-04-07 2017-09-19 Liveperson, Inc. System and method for dynamically enabling customized web content and applications
US9767513B1 (en) 2007-12-14 2017-09-19 Consumerinfo.Com, Inc. Card registry systems and methods
US9819561B2 (en) 2000-10-26 2017-11-14 Liveperson, Inc. System and methods for facilitating object assignments
US9830646B1 (en) 2012-11-30 2017-11-28 Consumerinfo.Com, Inc. Credit score goals and alerts systems and methods
US9853959B1 (en) 2012-05-07 2017-12-26 Consumerinfo.Com, Inc. Storage and maintenance of personal data
US9870589B1 (en) 2013-03-14 2018-01-16 Consumerinfo.Com, Inc. Credit utilization tracking and reporting
US9881294B2 (en) 2001-07-10 2018-01-30 Chartoleaux Kg Limited Liability Company RF payment via a mobile device
US9892417B2 (en) 2008-10-29 2018-02-13 Liveperson, Inc. System and method for applying tracing tools for network locations
US9892457B1 (en) 2014-04-16 2018-02-13 Consumerinfo.Com, Inc. Providing credit data in search results
US9972048B1 (en) 2011-10-13 2018-05-15 Consumerinfo.Com, Inc. Debt services candidate locator
US9984415B2 (en) 2009-09-24 2018-05-29 Guidewire Software, Inc. Method and apparatus for pricing insurance policies
US10025842B1 (en) 2013-11-20 2018-07-17 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US10032182B1 (en) 2013-06-28 2018-07-24 Groupon, Inc. Systems and methods for providing promotion sharing among consumers
US10075446B2 (en) 2008-06-26 2018-09-11 Experian Marketing Solutions, Inc. Systems and methods for providing an integrated identifier
US20180276759A1 (en) * 2017-03-27 2018-09-27 Swiss Reinsurance Company Ltd. Adaptive, self-optimizing, leveraged capacity system and corresponding method thereof
US10102575B1 (en) * 2013-06-24 2018-10-16 Dividex Analytics, LLC Securities claims identification, optimization and recovery system and methods
US10102570B1 (en) 2013-03-14 2018-10-16 Consumerinfo.Com, Inc. Account vulnerability alerts
US10115079B1 (en) 2011-06-16 2018-10-30 Consumerinfo.Com, Inc. Authentication alerts
US10148726B1 (en) 2014-01-24 2018-12-04 Jpmorgan Chase Bank, N.A. Initiating operating system commands based on browser cookies
US10176233B1 (en) 2011-07-08 2019-01-08 Consumerinfo.Com, Inc. Lifescore
US10255598B1 (en) 2012-12-06 2019-04-09 Consumerinfo.Com, Inc. Credit card account data extraction
US10262364B2 (en) 2007-12-14 2019-04-16 Consumerinfo.Com, Inc. Card registry systems and methods
US10275780B1 (en) 1999-11-24 2019-04-30 Jpmorgan Chase Bank, N.A. Method and apparatus for sending a rebate via electronic mail over the internet
US10278065B2 (en) 2016-08-14 2019-04-30 Liveperson, Inc. Systems and methods for real-time remote control of mobile applications
US10282536B1 (en) 2002-03-29 2019-05-07 Jpmorgan Chase Bank, N.A. Method and system for performing purchase and other transactions using tokens with multiple chips
US10325314B1 (en) 2013-11-15 2019-06-18 Consumerinfo.Com, Inc. Payment reporting systems
US10586279B1 (en) * 2004-09-22 2020-03-10 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US20200090273A1 (en) * 2018-03-30 2020-03-19 Hironobu Katoh Stock price forecast assist system and method
US10621657B2 (en) 2008-11-05 2020-04-14 Consumerinfo.Com, Inc. Systems and methods of credit information reporting
US10671749B2 (en) 2018-09-05 2020-06-02 Consumerinfo.Com, Inc. Authenticated access and aggregation database platform
US10685398B1 (en) 2013-04-23 2020-06-16 Consumerinfo.Com, Inc. Presenting credit score information
US10726417B1 (en) 2002-03-25 2020-07-28 Jpmorgan Chase Bank, N.A. Systems and methods for multifactor authentication
US10757154B1 (en) 2015-11-24 2020-08-25 Experian Information Solutions, Inc. Real-time event-based notification system
US10853791B1 (en) 2017-02-14 2020-12-01 Wells Fargo Bank, N.A. Mobile wallet dynamic interface
US10869253B2 (en) 2015-06-02 2020-12-15 Liveperson, Inc. Dynamic communication routing based on consistency weighting and routing rules
US10922719B1 (en) 2013-12-09 2021-02-16 Groupon, Inc. Systems and methods for providing group promotions
US10937090B1 (en) 2009-01-06 2021-03-02 Consumerinfo.Com, Inc. Report existence monitoring
US11157997B2 (en) 2006-03-10 2021-10-26 Experian Information Solutions, Inc. Systems and methods for analyzing data
US11227313B2 (en) 2019-06-19 2022-01-18 FinanceNinja, LLC Systems and methods for implementing a sponsor portal for mediating services to end users
US11227001B2 (en) 2017-01-31 2022-01-18 Experian Information Solutions, Inc. Massive scale heterogeneous data ingestion and user resolution
US11238656B1 (en) 2019-02-22 2022-02-01 Consumerinfo.Com, Inc. System and method for an augmented reality experience via an artificial intelligence bot
US20220058735A1 (en) * 2020-08-24 2022-02-24 Leonid Chuzhoy Methods for prediction and rating aggregation
US11315179B1 (en) 2018-11-16 2022-04-26 Consumerinfo.Com, Inc. Methods and apparatuses for customized card recommendations
US20220156811A1 (en) * 2020-11-15 2022-05-19 Refinitiv Us Organization Llc User-defined matching
US11354716B1 (en) 2013-08-22 2022-06-07 Groupon, Inc. Systems and methods for determining redemption time
US11386442B2 (en) 2014-03-31 2022-07-12 Liveperson, Inc. Online behavioral predictor
US11410230B1 (en) 2015-11-17 2022-08-09 Consumerinfo.Com, Inc. Realtime access and control of secure regulated data
US20220318906A1 (en) * 2021-04-05 2022-10-06 Pranil Ram Interactive Grid-based Graphical Trading System with Smart Order Action
US20230237574A1 (en) * 2021-05-26 2023-07-27 Sun Sun Chan Computer-implemented method for calculating trade price reference indicator
US11769132B1 (en) 2019-05-22 2023-09-26 Wells Fargo Bank, N.A. P2P payments via integrated 3rd party APIs
US20230351501A1 (en) * 2020-05-04 2023-11-02 Seong Min YOON Currency exchange management computer, foreign currency exchange system, and method therefor
US11922494B2 (en) * 2021-09-30 2024-03-05 Paypal, Inc. Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale

Families Citing this family (33)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7295999B1 (en) * 2000-12-20 2007-11-13 Jpmorgan Chase Bank, N.A. System and method for determining eligibility and enrolling members in various programs
US9400589B1 (en) 2002-05-30 2016-07-26 Consumerinfo.Com, Inc. Circular rotational interface for display of consumer credit information
US8346593B2 (en) 2004-06-30 2013-01-01 Experian Marketing Solutions, Inc. System, method, and software for prediction of attitudinal and message responsiveness
US7904306B2 (en) 2004-09-01 2011-03-08 Search America, Inc. Method and apparatus for assessing credit for healthcare patients
US20150186844A1 (en) * 2006-05-05 2015-07-02 Eznetpay, Llc Pay Request System
US11887175B2 (en) 2006-08-31 2024-01-30 Cpl Assets, Llc Automatically determining a personalized set of programs or products including an interactive graphical user interface
US8799148B2 (en) 2006-08-31 2014-08-05 Rohan K. K. Chandran Systems and methods of ranking a plurality of credit card offers
US8036979B1 (en) 2006-10-05 2011-10-11 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US20080294540A1 (en) 2007-05-25 2008-11-27 Celka Christopher J System and method for automated detection of never-pay data sets
US8452699B2 (en) * 2007-07-04 2013-05-28 Global Analytics, Inc Systems and methods for making structured reference credit decisions
US7996521B2 (en) 2007-11-19 2011-08-09 Experian Marketing Solutions, Inc. Service for mapping IP addresses to user segments
US9256904B1 (en) 2008-08-14 2016-02-09 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US8412593B1 (en) * 2008-10-07 2013-04-02 LowerMyBills.com, Inc. Credit card matching
US8639920B2 (en) 2009-05-11 2014-01-28 Experian Marketing Solutions, Inc. Systems and methods for providing anonymized user profile data
US20100306072A1 (en) * 2009-05-29 2010-12-02 Bank Of America Corporation Instant financial credit system
US9652802B1 (en) 2010-03-24 2017-05-16 Consumerinfo.Com, Inc. Indirect monitoring and reporting of a user's credit data
US8725613B1 (en) 2010-04-27 2014-05-13 Experian Information Solutions, Inc. Systems and methods for early account score and notification
US9152727B1 (en) 2010-08-23 2015-10-06 Experian Marketing Solutions, Inc. Systems and methods for processing consumer information for targeted marketing applications
US8930262B1 (en) 2010-11-02 2015-01-06 Experian Technology Ltd. Systems and methods of assisted strategy design
US9147042B1 (en) 2010-11-22 2015-09-29 Experian Information Solutions, Inc. Systems and methods for data verification
US10424011B2 (en) 2011-11-02 2019-09-24 Gain Credit Holdings, Inc Systems and methods for shared lending risk
US20130179326A1 (en) * 2012-01-09 2013-07-11 Miles Beacom System, program product and method for initiating a credit card account
US9697263B1 (en) 2013-03-04 2017-07-04 Experian Information Solutions, Inc. Consumer data request fulfillment system
USD760256S1 (en) 2014-03-25 2016-06-28 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD759690S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD759689S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
US11257117B1 (en) 2014-06-25 2022-02-22 Experian Information Solutions, Inc. Mobile device sighting location analytics and profiling system
US9767309B1 (en) 2015-11-23 2017-09-19 Experian Information Solutions, Inc. Access control system for implementing access restrictions of regulated database records while identifying and providing indicators of regulated database records matching validation criteria
US10678894B2 (en) 2016-08-24 2020-06-09 Experian Information Solutions, Inc. Disambiguation and authentication of device users
US10740823B1 (en) * 2017-04-28 2020-08-11 Wells Fargo Bank, N.A. Financial alert system based on image of user spending behavior
US10735183B1 (en) 2017-06-30 2020-08-04 Experian Information Solutions, Inc. Symmetric encryption for private smart contracts among multiple parties in a private peer-to-peer network
US11620403B2 (en) 2019-01-11 2023-04-04 Experian Information Solutions, Inc. Systems and methods for secure data aggregation and computation
US11682041B1 (en) 2020-01-13 2023-06-20 Experian Marketing Solutions, Llc Systems and methods of a tracking analytics platform

Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5220501A (en) * 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services
US5351186A (en) * 1991-01-16 1994-09-27 Bullock Communications, Inc. System and method for obtaining information concerning a product or a service
US5528490A (en) * 1992-04-10 1996-06-18 Charles E. Hill & Associates, Inc. Electronic catalog system and method
US5611052A (en) * 1993-11-01 1997-03-11 The Golden 1 Credit Union Lender direct credit evaluation and loan processing system
US5659731A (en) * 1995-06-19 1997-08-19 Dun & Bradstreet, Inc. Method for rating a match for a given entity found in a list of entities
US5696965A (en) * 1994-11-03 1997-12-09 Intel Corporation Electronic information appraisal agent
US5706442A (en) * 1995-12-20 1998-01-06 Block Financial Corporation System for on-line financial services using distributed objects
US5745654A (en) * 1996-02-13 1998-04-28 Hnc Software, Inc. Fast explanations of scored observations
US5749075A (en) * 1995-06-06 1998-05-05 Interactive Media Works, L.L.C. Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards

Family Cites Families (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6289319B1 (en) * 1984-05-24 2001-09-11 Lawrence B. Lockwood Automatic business and financial transaction processing system
JPH06309567A (en) * 1993-04-20 1994-11-04 Fujitsu Ltd Credit card processor
US5940811A (en) * 1993-08-27 1999-08-17 Affinity Technology Group, Inc. Closed loop financial transaction method and apparatus
GB9416673D0 (en) 1994-08-17 1994-10-12 Reuters Ltd Data exchange filtering system
US5797133A (en) * 1994-08-31 1998-08-18 Strategic Solutions Group, Inc Method for automatically determining the approval status of a potential borrower
US5878403A (en) * 1995-09-12 1999-03-02 Cmsi Computer implemented automated credit application analysis and decision routing system
US6088686A (en) * 1995-12-12 2000-07-11 Citibank, N.A. System and method to performing on-line credit reviews and approvals
JPH09204468A (en) * 1996-01-25 1997-08-05 Oki Electric Ind Co Ltd Automatic approval device
US5953710A (en) * 1996-10-09 1999-09-14 Fleming; Stephen S. Children's credit or debit card system
US20020178113A1 (en) * 2001-04-20 2002-11-28 Clifford Jeremy P. System and method for offering customized credit card products
US20020194094A1 (en) * 2001-06-18 2002-12-19 Capital One Financial Corporation System and method for providing financial products
US6817521B1 (en) * 2003-08-21 2004-11-16 International Business Machines Corporation Credit card application automation system
CA2615388A1 (en) * 2005-07-15 2007-01-25 Revolution Money Inc. System and method for establishment of rules governing child accounts

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5220501A (en) * 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services
US5351186A (en) * 1991-01-16 1994-09-27 Bullock Communications, Inc. System and method for obtaining information concerning a product or a service
US5528490A (en) * 1992-04-10 1996-06-18 Charles E. Hill & Associates, Inc. Electronic catalog system and method
US5611052A (en) * 1993-11-01 1997-03-11 The Golden 1 Credit Union Lender direct credit evaluation and loan processing system
US5696965A (en) * 1994-11-03 1997-12-09 Intel Corporation Electronic information appraisal agent
US5749075A (en) * 1995-06-06 1998-05-05 Interactive Media Works, L.L.C. Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards
US5659731A (en) * 1995-06-19 1997-08-19 Dun & Bradstreet, Inc. Method for rating a match for a given entity found in a list of entities
US5706442A (en) * 1995-12-20 1998-01-06 Block Financial Corporation System for on-line financial services using distributed objects
US5745654A (en) * 1996-02-13 1998-04-28 Hnc Software, Inc. Fast explanations of scored observations

Non-Patent Citations (14)

* Cited by examiner, † Cited by third party
Title
American Banker, Network Assemble Card Issuers at an Internet Site, p. 11, Oct. 1995. *
Brennan, Peter, Profitability Scoring Comes of Age, Bank Management, v69 n9 pp. 58 62, Sep. 1993. *
Brennan, Peter, Profitability Scoring Comes of Age, Bank Management, v69 n9 pp. 58-62, Sep. 1993.
Burek, John, The Hot Spot: the Credit Card Network (Web Site Provides Online Repository of Information includes links to credit card, electronic cash and credit report services), v16, n3, p587, Mar. 1996. *
Credit Card Management, First Union s Booming Online Branch, Vol. 8 Iss 11 p 1 12, Feb. 1996. *
Credit Card Management, First Union's Booming Online Branch, Vol. 8 Iss 11 p 1-12, Feb. 1996.
Dialog PR 05777108, "Credit Card Network Hits the Internet", p. 1018SE005, Oct. 1995.
Dialog PR 05777108, Credit Card Network Hits the Internet , p. 1018SE005, Oct. 1995. *
Internet Business News, Online Credit Card Sign up Now Available, Nov. 1995. *
Internet Business News, Online Credit Card Sign-up Now Available, Nov. 1995.
Koh, Hian Chye and Tan, Kim Wah, Construction of a Credit Scoring Model to Asses the Default Risk of Credit Card Applicants, International Journal of Management, vol. 11 No. 3, Sep. 1994. *
Morall, Katherin, Profits by the Numbers, Bankers Monthly, v108 n 11 pp. 25 29, Nov. 1991. *
Morall, Katherin, Profits by the Numbers, Bankers Monthly, v108 n 11 pp. 25-29, Nov. 1991.
Prince, Cheryl J., Caught in the WEB, Bank Systems Technology, Home Banking, Jul 1995. *

Cited By (869)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7908145B2 (en) 1993-03-24 2011-03-15 Engate Llc Down-line transcription system using automatic tracking and revenue collection
US20070265846A1 (en) * 1993-03-24 2007-11-15 Engate Incorporated Computer-Aided Transcription System Using Pronounceable Substitute Text With A Common Cross-Reference Library
US7983990B2 (en) 1993-03-24 2011-07-19 Engate Llc Attorney terminal having outline preparation capabilities for managing trial proceedings
US20070286573A1 (en) * 1993-03-24 2007-12-13 Engate Incorporated Audio And Video Transcription System For Manipulating Real-Time Testimony
US7805298B2 (en) 1993-03-24 2010-09-28 Engate Llc Computer-aided transcription system using pronounceable substitute text with a common cross-reference library
US20070265845A1 (en) * 1993-03-24 2007-11-15 Engate Incorporated Computer-Aided Transcription System Using Pronounceable Substitute Text With A Common Cross-Reference Library
US20070271236A1 (en) * 1993-03-24 2007-11-22 Engate Incorporated Down-line Transcription System Having Context Sensitive Searching Capability
US7761295B2 (en) 1993-03-24 2010-07-20 Engate Llc Computer-aided transcription system using pronounceable substitute text with a common cross-reference library
US20070265871A1 (en) * 1993-03-24 2007-11-15 Engate Incorporated Attorney Terminal Having Outline Preparation Capabilities For Managing Trial Proceedings
US7769586B2 (en) 1993-03-24 2010-08-03 Engate Llc Computer-aided transcription system using pronounceable substitute text with a common cross-reference library
US20070260457A1 (en) * 1993-03-24 2007-11-08 Engate Incorporated Audio And Video Transcription System For Manipulating Real-Time Testimony
US20070260472A1 (en) * 1993-03-24 2007-11-08 Engate Incorporated Attorney Terminal Having Outline Preparation Capabilities For Managing Trial Proceedings
US7631343B1 (en) 1993-03-24 2009-12-08 Endgate LLC Down-line transcription system using automatic tracking and revenue collection
US7831437B2 (en) 1993-03-24 2010-11-09 Engate Llc Attorney terminal having outline preparation capabilities for managing trial proceedings
US20070239446A1 (en) * 1993-03-24 2007-10-11 Engate Incorporated Down-line Transcription System Using Automatic Tracking And Revenue Collection
US20020049588A1 (en) * 1993-03-24 2002-04-25 Engate Incorporated Computer-aided transcription system using pronounceable substitute text with a common cross-reference library
US20040138993A1 (en) * 1995-09-12 2004-07-15 Defrancesco James Computer implemented automated credit application analysis and decision routing system
US7801807B2 (en) 1995-09-12 2010-09-21 Dealertrack, Inc. Computer implemented automated credit application analysis and decision routing system
US20070112670A1 (en) * 1995-09-12 2007-05-17 Defrancesco James R Automated credit application system
US7814002B2 (en) 1995-09-12 2010-10-12 Dealertrack, Inc. Computer implemented automated credit application analysis and decision routing system
US20040078320A1 (en) * 1995-09-12 2004-04-22 Defrancesco James R. Computer implemented automated credit application analysis and decision routing system
US20090234769A9 (en) * 1995-09-12 2009-09-17 Defrancesco James Computer implemented automated credit application analysis and decision routing system
US20040138997A1 (en) * 1995-09-12 2004-07-15 Defrancesco James R. Automated credit application system
US7523055B2 (en) 1995-10-11 2009-04-21 Block Financial Llc Financial information access system
US20040158524A1 (en) * 1995-10-11 2004-08-12 Block Financial Corporation Financial information access system
US20010056475A1 (en) * 1995-12-20 2001-12-27 Anderson William P. System for on-line financial services using distributed objects
US7296065B2 (en) 1995-12-20 2007-11-13 Block Financial Corporation System for on-line financial services using distributed objects
US20060179117A1 (en) * 1995-12-20 2006-08-10 Block Financial Corporation System for on-line financial services using distributed objects
US7032008B2 (en) 1995-12-20 2006-04-18 Block Financial Corporation System for on-line financial services using distributed objects
US8719114B2 (en) 1996-06-10 2014-05-06 Phoenix Licensing, Llc System and method for automated generation of communications involving products or services
US8606632B2 (en) 1996-06-10 2013-12-10 Phoenix Licensing, Llc System, method, and computer program product for selecting and presenting financial products and services
US20110029390A1 (en) * 1996-06-10 2011-02-03 Phoenix Licensing, Llc System, method, and computer program product for selecting and presenting financial products and services
US8738435B2 (en) 1996-06-10 2014-05-27 LPL Licensing, LLC Method and apparatus for presenting personalized content relating to offered products and services
US20060004642A1 (en) * 1996-06-10 2006-01-05 Libman Richard M Automated reply generation direct marketing system
US8234184B2 (en) * 1996-06-10 2012-07-31 Phoenix Licensing, Llc Automated reply generation direct marketing system
US8458052B2 (en) 1996-06-10 2013-06-04 Phoenix Licensing, Llc System and method for automated generation of communications involving products or services
US8001043B1 (en) * 1997-03-12 2011-08-16 Walker Digital, Llc Method, apparatus, and program for customizing credit accounts
US7096198B1 (en) * 1997-06-16 2006-08-22 Vincent Cuervo Internet web site program for the purchase, issue and dispensing of debit cards
US20010029477A1 (en) * 1997-07-11 2001-10-11 Chase Manhattan Bank Method for mortgage and closed end loan portfolio management
US7020631B2 (en) 1997-07-11 2006-03-28 The Chase Manhattan Bank Method for mortgage and closed end loan portfolio management
US20040138994A1 (en) * 1997-09-03 2004-07-15 Defrancesco James Computer implemented automated credit application analysis and decision routing system
US20040138992A1 (en) * 1997-09-03 2004-07-15 Defrancesco James Computer implemented automated credit application analysis and decision routing system
US20100023446A1 (en) * 1997-09-12 2010-01-28 Imx, Inc. Interactive Mortgage and Loan Information and Real-Time Trading System
US20060190394A1 (en) * 1997-09-12 2006-08-24 Imx Mortgage Exchange Interactive mortgage and loan information and real-time trading system
US20100023440A1 (en) * 1997-09-12 2010-01-28 Imx, Inc. Interactive Mortgage and Loan Information and Real-Time Trading System
US20060069619A1 (en) * 1997-10-09 2006-03-30 Walker Jay S Systems and methods for facilitating group rewards
US6422462B1 (en) * 1998-03-30 2002-07-23 Morris E. Cohen Apparatus and methods for improved credit cards and credit card transactions
US6611816B2 (en) 1998-05-08 2003-08-26 Lendingtree, Inc. Method and computer network for co-ordinating a loan over the Internet
US20090144191A1 (en) * 1998-05-08 2009-06-04 Douglas Lebda Method and computer network for co-ordinating a loan over the internet
US6385594B1 (en) 1998-05-08 2002-05-07 Lendingtree, Inc. Method and computer network for co-ordinating a loan over the internet
US7376891B2 (en) 1998-06-04 2008-05-20 Collegenet, Inc. Universal forms engine
US20090019351A1 (en) * 1998-06-04 2009-01-15 Collegenet, Inc. Universal forms engine
US7747463B1 (en) 1998-06-22 2010-06-29 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US7809643B2 (en) 1998-06-22 2010-10-05 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US7818253B2 (en) 1998-06-22 2010-10-19 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US8005756B2 (en) 1998-06-22 2011-08-23 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US7809642B1 (en) 1998-06-22 2010-10-05 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US20070226141A1 (en) * 1998-06-22 2007-09-27 Phillips Gregory J Debit Purchasing Of Stored Value Card For Use By And/Or Delivery To Others
US20080059373A1 (en) * 1998-06-22 2008-03-06 Jpmorganchase Bank, N.A. Debit Purchasing of Stored Value Card For Use By And/Or Delivery To Others
US7805368B2 (en) 1998-06-22 2010-09-28 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US6795812B1 (en) * 1998-11-03 2004-09-21 Nextcard, Inc. Implementing a counter offer for an on line credit card application
US20070027785A1 (en) * 1998-11-03 2007-02-01 Nextcard, Inc. Method and apparatus for a verifiable on line rejection of an applicant for credit
US20080270295A1 (en) * 1998-11-03 2008-10-30 Lent Jeremy R Method and Apparatus for Real Time Online Credit Approval
US8010422B1 (en) * 1998-11-03 2011-08-30 Nextcard, Llc On-line balance transfers
US7143063B2 (en) 1998-11-03 2006-11-28 Nextcard, Inc. Method and apparatus for a verifiable on line rejection of an applicant for credit
US6324524B1 (en) 1998-11-03 2001-11-27 Nextcard, Inc. Method and apparatus for an account level offer of credit and real time balance transfer
US6567791B2 (en) * 1998-11-03 2003-05-20 Nextcard, Inc. Method and apparatus for a verifiable on line rejection of an application for credit
US20080270294A1 (en) * 1998-11-03 2008-10-30 Lent Jeremy R Method and Apparatus for a Verifiable On Line Rejection of an Applicant for Credit
US20040039687A1 (en) * 1998-11-03 2004-02-26 Nextcard, Inc. Method and apparatus for a verifiable on line rejection of an applicant for credit
US6405181B2 (en) * 1998-11-03 2002-06-11 Nextcard, Inc. Method and apparatus for real time on line credit approval
US7756781B2 (en) 1998-11-03 2010-07-13 Nextcard, Llc Method and apparatus for a verifiable on line rejection of an applicant for credit
US20100262535A1 (en) * 1998-11-03 2010-10-14 Lent Jeremy R Method and apparatus for a verifiable on line rejection of an application for credit
US7505939B2 (en) 1998-11-03 2009-03-17 Nextcard, Inc. Method and apparatus for a verifiable on line rejection of an applicant for credit
US7707111B2 (en) 1998-11-17 2010-04-27 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US20080021826A1 (en) * 1998-11-17 2008-01-24 Brake Francis B Jr Customer Activated Multi-Value (CAM) Card
US20040024672A1 (en) * 1998-11-17 2004-02-05 Brake Francis B. Customer activated multi-value (CAM) card
US20050086167A1 (en) * 1998-11-17 2005-04-21 First Usa Bank, N.A. Customer activated multi-value (CAM) card
US20080021820A1 (en) * 1998-11-17 2008-01-24 Brake Francis B Jr Customer Activated Multi-Value (CAM) Card
US20030135462A1 (en) * 1998-11-17 2003-07-17 Brake Francis B. Customer activated multi-value (CAM) card
US7263507B1 (en) * 1998-11-17 2007-08-28 Jp Morgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US7660763B1 (en) 1998-11-17 2010-02-09 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US7801799B1 (en) 1998-11-17 2010-09-21 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US7072864B2 (en) * 1998-11-17 2006-07-04 Bank One Deleware, N.A. Customer activated multi-value (CAM) card
US7181486B1 (en) 1998-12-07 2007-02-20 Network Ice Corporation Method and apparatus for remote installation of network drivers and software
US7934254B2 (en) 1998-12-09 2011-04-26 International Business Machines Corporation Method and apparatus for providing network and computer system security
US8818863B2 (en) 1999-04-19 2014-08-26 Enpulz, L.L.C. Advertising system supporting dual input interfaces
US8463409B2 (en) 1999-04-19 2013-06-11 Enpulz, L.L.C. Promotion data and codes supporting redemption processing
US8505812B2 (en) 1999-04-19 2013-08-13 Enpulz, L.L.C. Email promotion portal supporting buyer anonymity
US8534552B2 (en) 1999-04-19 2013-09-17 Enpulz, L.L.C. Sales promotion system with secondary sales server system
US8573491B2 (en) 1999-04-19 2013-11-05 Enpulz, L.L.C. Sales promotion system supporting coupon link in multi-seller environment
US8573477B2 (en) 1999-04-19 2013-11-05 Enpulz, L.L.C. Promotion system supporting emailed promotions with transaction accounting
US8484093B2 (en) 1999-04-19 2013-07-09 Enpulz, L.L.C. Advertising system supporting multi-advertiser system interface structures
US8479987B2 (en) 1999-04-19 2013-07-09 Enpulz, L.L.C. Multi-seller sales system supporting multiple sales portals and promotion systems
US9224170B2 (en) 1999-04-19 2015-12-29 Rpx Corporation Sales channel management infrastructure
US8684266B2 (en) 1999-04-19 2014-04-01 Enpulz, L.L.C. Forecast and demand based price calculation
US8706549B2 (en) 1999-04-19 2014-04-22 Enpulz, Llc System supporting seller's promotion creation
US8473581B2 (en) 1999-04-19 2013-06-25 Enpulz, L.L.C. Promotion system supporting web content and promotion searching
US8706553B2 (en) 1999-04-19 2014-04-22 Enpulz, L.L.C. Geographical and dispensing limits for E-promotions
US9098879B2 (en) 1999-04-19 2015-08-04 Enpluz, LLC Seller promotion creation and modification
US8464943B2 (en) 1999-04-19 2013-06-18 Enpulz, L.L.C. Competitive advertising and sales infrastructure
US8468053B2 (en) 1999-04-19 2013-06-18 Enpulz, L.L.C. Seller selection of content for promotion creation
US8464942B2 (en) 1999-04-19 2013-06-18 Enpulz, L.L.C. Sales promotion system supporting a plurality of differing sellers
US8468055B2 (en) 1999-04-19 2013-06-18 Enpulz, L.L.C. Advertising system supporting multi-advertiser system communications
US8463643B2 (en) 1999-04-19 2013-06-11 Enpulz, L.L.C. Multi-search infrastructure supporting advertising and internet search term reuse
US8504424B2 (en) 1999-04-19 2013-08-06 Enpulz, L.L.C. Advertising system supporting multi-advertiser system remote advertisement posting
US8463851B2 (en) 1999-04-19 2013-06-11 Enpulz, Llc Promotion infrastructure supporting selected and emailed promotion delivery
US8818854B2 (en) 1999-04-19 2014-08-26 Enpulz, L.L.C. Sales promotion system supporting a plurality of sellers
US9082153B2 (en) 1999-04-19 2015-07-14 Enpluz, LLC Web search and promotion search engine integration
US9070166B2 (en) 1999-04-19 2015-06-30 Enpluz, LLC Centralized, online multi-seller interface system
US8818852B2 (en) 1999-04-19 2014-08-26 Enpulz, L.L.C. Promotion system supporting emailed promotions and at seller premises transaction completion
US8428752B2 (en) 1999-04-19 2013-04-23 Enpulz, L.L.C. Network infrastructure supporting a multi-seller promotion and transaction environment
US8407251B2 (en) 1999-04-19 2013-03-26 Enpulz, L.L.C. Promotion infrastructure having dispensing controls
US8407252B2 (en) 1999-04-19 2013-03-26 Enpulz, L.L.C. Promotion infrastructure having third party posting service
US8403217B2 (en) 1999-04-19 2013-03-26 Enpulz, L.L.C. Advertising infrastructure supporting cross selling opportunity management
US8407334B2 (en) 1999-04-19 2013-03-26 Enpulz, L.L.C. Promotion infrastructure having dual input and dual output interface
US8818853B2 (en) 1999-04-19 2014-08-26 Enpulz, Llc Promotion system supporting emailed promotions and at seller premises transaction completion
US9070167B2 (en) 1999-04-19 2015-06-30 Enpluz, LLC Centralized, online multi-seller interface system
US9053514B2 (en) 1999-04-19 2015-06-09 Enpluz, LLC System supporting promotion browsing and searching
US20060167782A1 (en) * 1999-06-04 2006-07-27 First Usa Bank, N.A. Credit instrument and system providing multiple services including access to credit services and access to a service provider club
US7676429B2 (en) 1999-06-04 2010-03-09 Jpmorgan Chase Bank, N.A. Credit instrument and system providing multiple services including access to credit services and access to a service provider club
US8645265B2 (en) 1999-06-04 2014-02-04 Jpmorgan Chase Bank, N.A. System and method for card processing with automated payment of club, merchant, and service provider fees
US20100121762A1 (en) * 1999-06-04 2010-05-13 Kevin Boyle System and Method for Card Processing with Automated Payment of Club, Merchant, and Service Provider Fees
US7930241B1 (en) * 1999-06-14 2011-04-19 Sollen Technologies LLC Mortgage information exchange platform for a broker to select a mortgage lender
US7797730B2 (en) 1999-06-24 2010-09-14 Engate Llc Downline transcription system using automatic tracking and revenue collection
US20070250315A1 (en) * 1999-06-24 2007-10-25 Engate Incorporated Downline Transcription System Using Automatic Tracking And Revenue Collection
US20070192618A1 (en) * 1999-07-02 2007-08-16 Kimberly Ellmore System and method for single sign on process for websites with multiple applications and services
US8590008B1 (en) 1999-07-02 2013-11-19 Jpmorgan Chase Bank, N.A. System and method for single sign on process for websites with multiple applications and services
US20060129835A1 (en) * 1999-07-02 2006-06-15 Kimberly Ellmore System and method for single sign on process for websites with multiple applications and services
US7966496B2 (en) 1999-07-02 2011-06-21 Jpmorgan Chase Bank, N.A. System and method for single sign on process for websites with multiple applications and services
US7461402B1 (en) 1999-07-14 2008-12-02 Symantec Corporation System and method for preventing detection of a selected process running on a computer
US20070061883A1 (en) * 1999-07-14 2007-03-15 Symantec Corporation System and method for generating fictitious content for a computer
US20080141349A1 (en) * 1999-07-14 2008-06-12 Symantec Corporation System and method for computer security
US7854005B2 (en) 1999-07-14 2010-12-14 Symantec Corporation System and method for generating fictitious content for a computer
US7827605B2 (en) 1999-07-14 2010-11-02 Symantec Corporation System and method for preventing detection of a selected process running on a computer
US20090064331A1 (en) * 1999-07-14 2009-03-05 Symantec Corporation System and method for preventing detection of a selected process running on a computer
US8549640B2 (en) 1999-07-14 2013-10-01 Symantec Corporation System and method for computer security
US7831509B2 (en) 1999-07-26 2010-11-09 Jpmorgan Chase Bank, N.A. On-line higher education financing system
US20080216173A1 (en) * 1999-07-29 2008-09-04 International Business Machines Corporation Method and Apparatus for Auditing Network Security
US7770225B2 (en) 1999-07-29 2010-08-03 International Business Machines Corporation Method and apparatus for auditing network security
US20110035407A1 (en) * 1999-08-16 2011-02-10 Rothman Michael J System and Method for Gathering and Standardizing Customer Purchase Information for Target Marketing
US8782076B2 (en) 1999-08-16 2014-07-15 Jpmorgan Chase Bank, N.A. System and method for gathering and standardizing customer purchase information for target marketing
US20060136306A1 (en) * 1999-08-16 2006-06-22 Rothman Michael J System and method for gathering and standardizing customer purchase information for target marketing
US20070157315A1 (en) * 1999-08-30 2007-07-05 Symantec Corporation System and method for using timestamps to detect attacks
US8578490B2 (en) 1999-08-30 2013-11-05 Symantec Corporation System and method for using timestamps to detect attacks
WO2001018708A1 (en) * 1999-09-03 2001-03-15 Capital One Financial Corporation System and method for offering and providing secured credit card products
US8191788B2 (en) 1999-09-07 2012-06-05 American Express Travel Related Services Company, Inc. Transaction card
US7837116B2 (en) 1999-09-07 2010-11-23 American Express Travel Related Services Company, Inc. Transaction card
WO2001018718A1 (en) * 1999-09-09 2001-03-15 Taylor Hugh Gibbs Jr System and method for evaluating credit risks
US20080027861A1 (en) * 1999-11-04 2008-01-31 Gendler Joseph System and method for automatic financial project management
US7685013B2 (en) 1999-11-04 2010-03-23 Jpmorgan Chase Bank System and method for automatic financial project management
US20070288364A1 (en) * 1999-11-04 2007-12-13 Gendler Joesph System and method for automatic financial project management
US8005777B1 (en) 1999-11-08 2011-08-23 Aloft Media, Llc System, method and computer program product for a collaborative decision platform
US7970722B1 (en) 1999-11-08 2011-06-28 Aloft Media, Llc System, method and computer program product for a collaborative decision platform
US8160988B1 (en) 1999-11-08 2012-04-17 Aloft Media, Llc System, method and computer program product for a collaborative decision platform
US8326694B2 (en) 1999-11-15 2012-12-04 Jpmorgan Chase Bank, N.A. Personalized interactive network architecture
US9978089B2 (en) 1999-11-15 2018-05-22 Jpmorgan Chase, N.A. Personalized interactive network with multiple channels coupled to integrated knowledge management system
US7949574B2 (en) 1999-11-15 2011-05-24 Jpmorgan Chase Bank, Na Personalized interactive network architecture
US20080077462A1 (en) * 1999-11-15 2008-03-27 The Chase Manhattan Bank Personalized interactive network architecture
US20080086402A1 (en) * 1999-11-15 2008-04-10 The Chase Manhattan Bank Personalized Interactive Network Architecture
US8571975B1 (en) 1999-11-24 2013-10-29 Jpmorgan Chase Bank, N.A. System and method for sending money via E-mail over the internet
US10275780B1 (en) 1999-11-24 2019-04-30 Jpmorgan Chase Bank, N.A. Method and apparatus for sending a rebate via electronic mail over the internet
US10776865B2 (en) 1999-12-01 2020-09-15 Efunds Corporation Method and apparatus for ATM-based cross-selling of products and services
US20030065563A1 (en) * 1999-12-01 2003-04-03 Efunds Corporation Method and apparatus for atm-based cross-selling of products and services
US8006243B2 (en) 1999-12-07 2011-08-23 International Business Machines Corporation Method and apparatus for remote installation of network drivers and software
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
US20070100936A1 (en) * 1999-12-07 2007-05-03 Internet Security Systems, Inc. Method and apparatus for remote installation of network drivers and software
US20040039690A1 (en) * 1999-12-23 2004-02-26 Rategenius, Inc. Method and system for offering a loan through a computing system
US7775425B1 (en) * 1999-12-29 2010-08-17 First Data Corporation System and method for approving a limit of check cashing over time
US6965865B2 (en) 1999-12-30 2005-11-15 Bank One Delaware N.A. System and method for integrated customer management
US8036978B1 (en) * 1999-12-31 2011-10-11 Pitney Bowes Inc. Method of upgrading third party functionality in an electronic fraud management system
USRE43460E1 (en) 2000-01-21 2012-06-12 Xatra Fund Mx, Llc Public/private dual card system and method
US6615190B1 (en) 2000-02-09 2003-09-02 Bank One, Delaware, National Association Sponsor funded stored value card
US9710851B2 (en) 2000-02-15 2017-07-18 Jpmorgan Chase Bank, N.A. System and method for generating graphical user interface
US8700529B2 (en) 2000-02-23 2014-04-15 Jpmorgan Chase Bank, N.A. Mutual fund card method and system
US8612341B2 (en) 2000-02-23 2013-12-17 Jpmorgan Chase Bank, N.A. Computerized funding of a second financial account by a first financial card
US20040193539A1 (en) * 2000-02-23 2004-09-30 Bank One Corporation Mutual fund card method and system
WO2001065440A1 (en) * 2000-02-28 2001-09-07 Cardclues.Com, L.L.C. System and method for facilitating selection of a credit card
US8473199B2 (en) 2000-02-29 2013-06-25 Smarter Agent, Llc Mobile location aware search engine and method of providing content for same
US7599795B1 (en) 2000-02-29 2009-10-06 Smarter Agent, Llc Mobile location aware search engine and method of providing content for same
US7457628B2 (en) 2000-02-29 2008-11-25 Smarter Agent, Llc System and method for providing information based on geographic position
US9002371B1 (en) 2000-02-29 2015-04-07 Smarter Agent, Llc Position-based information access device and method of searching
US20090163228A1 (en) * 2000-02-29 2009-06-25 Blumberg Brad W System and method for providing information based on geographic position
US9754317B2 (en) 2000-02-29 2017-09-05 Smarter Agent, Llc System and method for providing information based on geographic position
US9754333B1 (en) 2000-02-29 2017-09-05 Smarter Agent, Llc Position-based information access device and method of searching
US20040110515A1 (en) * 2000-02-29 2004-06-10 Blumberg Brad W. System and method for providing information based on geographic position
US8731581B2 (en) 2000-02-29 2014-05-20 Smarter Agent, Llc System and method for providing information based on geographic position
US9122704B2 (en) 2000-02-29 2015-09-01 Smarter Agent, Llc Mobile location aware search engine and method of providing content for same
US20100023388A1 (en) * 2000-02-29 2010-01-28 Blumberg Brad W Mobile location aware search engine and method of providing content for same
US9183584B2 (en) 2000-02-29 2015-11-10 Smarter Agent, Llc System and method for providing information based on geographic position
US8442550B2 (en) 2000-02-29 2013-05-14 Smarter Agent, Llc System and method for providing information based on geographic position
US20020026410A1 (en) * 2000-03-01 2002-02-28 Prosecute Paperless online merchant account approval and provisioning system and method therefor
WO2001067323A1 (en) * 2000-03-06 2001-09-13 Investoria Inc. Financial product trading method, fanatical product trading system, and translation system
US8818907B2 (en) 2000-03-07 2014-08-26 Xatra Fund Mx, Llc Limiting access to account information during a radio frequency transaction
US7835960B2 (en) 2000-03-07 2010-11-16 American Express Travel Related Services Company, Inc. System for facilitating a transaction
US20080215291A1 (en) * 2000-03-09 2008-09-04 Wegerich Stephan W Complex signal decomposition and modeling
US8239170B2 (en) 2000-03-09 2012-08-07 Smartsignal Corporation Complex signal decomposition and modeling
US20040260515A1 (en) * 2000-03-09 2004-12-23 Smartsignal Corporation Generalized lensing angular similarity operator
US6775641B2 (en) 2000-03-09 2004-08-10 Smartsignal Corporation Generalized lensing angular similarity operator
US7539628B2 (en) * 2000-03-21 2009-05-26 Bennett James D Online purchasing system supporting buyer affordability screening
US20010039516A1 (en) * 2000-03-21 2001-11-08 Bennett James D. Online purchasing system supporting sellers with affordability screening
US8495209B2 (en) 2000-03-21 2013-07-23 James D. Bennett Persistence mechanism for facilitating online transactions
US9576320B2 (en) 2000-03-21 2017-02-21 Paypal, Inc. Computing system supporting online purchases
US9576321B2 (en) 2000-03-21 2017-02-21 Paypal, Inc. Infrastructure supporting online transactions
US9589301B2 (en) 2000-03-21 2017-03-07 Paypal, Inc. Online purchasing system supporting lenders with affordability screening
US7542922B2 (en) * 2000-03-21 2009-06-02 Bennett James D Online purchasing system supporting sellers with affordability screening
US10210570B2 (en) 2000-03-21 2019-02-19 Paypal, Inc. Online purchasing system supporting lenders with affordability screening
US20010037288A1 (en) * 2000-03-21 2001-11-01 Bennett James D. Online purchasing system supporting lenders with affordability screening
US20010047307A1 (en) * 2000-03-21 2001-11-29 Bennett James D. Online purchasing system supporting buyer affordability screening
US8504438B2 (en) 2000-03-21 2013-08-06 James D. Bennett Online purchasing system supporting lenders with affordability screening
US8036941B2 (en) * 2000-03-21 2011-10-11 Bennett James D Online purchasing system supporting lenders with affordability screening
US10424013B2 (en) 2000-03-21 2019-09-24 Paypal, Inc. Computing system supporting online purchases
US20010054022A1 (en) * 2000-03-24 2001-12-20 Louie Edmund H. Syndication loan administration and processing system
US7599879B2 (en) 2000-03-24 2009-10-06 Jpmorgan Chase Bank, National Association Syndication loan administration and processing system
US20100057606A1 (en) * 2000-03-24 2010-03-04 Louie Edmund H Syndication Loan Administration and Processing System
US6591249B2 (en) * 2000-03-26 2003-07-08 Ron Zoka Touch scan internet credit card verification purchase process
US20060277083A1 (en) * 2000-04-07 2006-12-07 Craig Spielmann Method and system for managing risk
WO2001080123A1 (en) * 2000-04-14 2001-10-25 Livecapital, Inc. Online credit services brokering
US7921459B2 (en) 2000-04-28 2011-04-05 International Business Machines Corporation System and method for managing security events on a network
US7089428B2 (en) 2000-04-28 2006-08-08 Internet Security Systems, Inc. Method and system for managing computer security information
US20020078381A1 (en) * 2000-04-28 2002-06-20 Internet Security Systems, Inc. Method and System for Managing Computer Security Information
US20020019945A1 (en) * 2000-04-28 2002-02-14 Internet Security System, Inc. System and method for managing security events on a network
US8458070B2 (en) 2000-06-12 2013-06-04 Jpmorgan Chase Bank, N.A. System and method for providing customers with seamless entry to a remote server
US8438086B2 (en) 2000-06-12 2013-05-07 Jpmorgan Chase Bank, N.A. System and method for providing customers with seamless entry to a remote server
US8244628B1 (en) 2000-06-13 2012-08-14 Fannie Mae Computerized systems and methods for facilitating the flow of capital through the housing finance industry
US7765151B1 (en) 2000-06-13 2010-07-27 Fannie Mae Computerized systems and methods for facilitating the flow of capital through the housing finance industry
US6988082B1 (en) 2000-06-13 2006-01-17 Fannie Mae Computerized systems and methods for facilitating the flow of capital through the housing finance industry
US7593893B1 (en) 2000-06-13 2009-09-22 Fannie Mae Computerized systems and methods for facilitating the flow of capital through the housing finance industry
US7702580B1 (en) 2000-06-13 2010-04-20 Fannie Mae System and method for mortgage loan pricing, sale and funding
US20050004864A1 (en) * 2000-06-15 2005-01-06 Nextcard Inc. Implementing a counter offer for an on line credit card application
US10185936B2 (en) 2000-06-22 2019-01-22 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments
US20020077978A1 (en) * 2000-06-22 2002-06-20 The Chase Manhattan Bank Method and system for processing internet payments
US9734484B2 (en) 2000-06-23 2017-08-15 Jpmorgan Chase Bank, N.A. System and method for implementing a consolidated application process
US8266054B2 (en) 2000-06-23 2012-09-11 Jpmorgan Chase Bank, N.A. System and method for implementing a consolidated application process
US7831508B1 (en) 2000-06-23 2010-11-09 Jpmorgan Chase Bank, N.A. System and method for implementing a consolidated application process
US6907531B1 (en) 2000-06-30 2005-06-14 Internet Security Systems, Inc. Method and system for identifying, fixing, and updating security vulnerabilities
US7093239B1 (en) 2000-07-14 2006-08-15 Internet Security Systems, Inc. Computer immune system and method for detecting unwanted code in a computer system
US20050268338A1 (en) * 2000-07-14 2005-12-01 Internet Security Systems, Inc. Computer immune system and method for detecting unwanted code in a computer system
US7854004B2 (en) 2000-07-14 2010-12-14 International Business Machines Corporation Computer immune system and method for detecting unwanted code in a computer system
US8781905B2 (en) 2000-08-01 2014-07-15 Jpmorgan Chase Bank, N.A. System and method for transponder-enabled account transactions
US7831441B1 (en) * 2000-08-08 2010-11-09 Aol Inc. Online reactivation of an account or service
US7424617B2 (en) 2000-08-14 2008-09-09 Yahoo! Inc. Offline-online incentive points system and method
US8015084B1 (en) 2000-09-06 2011-09-06 Jpmorgan Chase Bank, N.A. System and method for linked account having sweep feature
US20020062373A1 (en) * 2000-09-20 2002-05-23 Skingle Bruce James System and method for portal infrastructure tracking
US20090254487A1 (en) * 2000-10-02 2009-10-08 International Projects Consultancy Services, Inc. Automated loan processing system and method
EP1323016A4 (en) * 2000-10-02 2006-09-27 Internat Projects Consultancy Automated loan processing system and method
US7555459B2 (en) * 2000-10-02 2009-06-30 International Projects Consultancy Services, Inc. Automated loan processing system and method
EP1323016A2 (en) * 2000-10-02 2003-07-02 International Projects Consultancy Services Inc. Automated loan processing system and method
US7428495B2 (en) 2000-10-02 2008-09-23 International Projects Consultancy Services, Inc. Object based workflow system and method
US20020040312A1 (en) * 2000-10-02 2002-04-04 Dhar Kuldeep K. Object based workflow system and method
US20020040339A1 (en) * 2000-10-02 2002-04-04 Dhar Kuldeep K. Automated loan processing system and method
US8060438B2 (en) 2000-10-02 2011-11-15 International Projects Consultancy Services, Inc. Automated loan processing system and method
WO2002029691A1 (en) * 2000-10-06 2002-04-11 Argus Information & Advisory Services, Llc System and method for revolving credit product offer customization
US8126805B2 (en) * 2000-10-06 2012-02-28 Argus Information And Advisory Services, Llc System and method for revolving credit product offer customization
US20050102221A1 (en) * 2000-10-06 2005-05-12 Nikolas Sulkowski System and method for revolving credit product offer customization
US20120254019A1 (en) * 2000-10-06 2012-10-04 Nikolas Sulkowski System and method for revolving credit product offer customization
US20080016569A1 (en) * 2000-10-10 2008-01-17 Internet Security Systems, Inc. Method and System for Creating a Record for One or More Computer Security Incidents
US9027121B2 (en) 2000-10-10 2015-05-05 International Business Machines Corporation Method and system for creating a record for one or more computer security incidents
US8533031B2 (en) 2000-10-17 2013-09-10 Jpmorgan Chase Bank, N.A. Method and system for retaining customer loyalty
US7831467B1 (en) 2000-10-17 2010-11-09 Jpmorgan Chase Bank, N.A. Method and system for retaining customer loyalty
US20110022454A1 (en) * 2000-10-17 2011-01-27 Jpmorgan Chase Bank, N.A. Method and system for retaining customer loyalty
US20020056076A1 (en) * 2000-10-24 2002-05-09 Vcis, Inc. Analytical virtual machine
US20060015390A1 (en) * 2000-10-26 2006-01-19 Vikas Rijsinghani System and method for identifying and approaching browsers most likely to transact business based upon real-time data mining
US20040153368A1 (en) * 2000-10-26 2004-08-05 Gregg Freishtat Systems and methods to facilitate selling of products and services
US10797976B2 (en) 2000-10-26 2020-10-06 Liveperson, Inc. System and methods for facilitating object assignments
US9819561B2 (en) 2000-10-26 2017-11-14 Liveperson, Inc. System and methods for facilitating object assignments
US9576292B2 (en) 2000-10-26 2017-02-21 Liveperson, Inc. Systems and methods to facilitate selling of products and services
US8868448B2 (en) 2000-10-26 2014-10-21 Liveperson, Inc. Systems and methods to facilitate selling of products and services
US8145567B2 (en) 2000-10-31 2012-03-27 Wells Fargo Bank, N.A. Transaction ID system and process
US8204826B2 (en) 2000-10-31 2012-06-19 Wells Fargo Bank, N.A. Method and apparatus for integrated payments processing and decisioning for internet transactions
US8407145B1 (en) 2000-10-31 2013-03-26 Wells Fargo Bank, N.A. Transaction ID system and process
US8738495B2 (en) * 2000-11-24 2014-05-27 Sony Corporation Personal account management device and method for financial transaction
US20030163419A1 (en) * 2000-11-24 2003-08-28 Motoshi Asano Personal account management device and method for financial transaction
US20020069158A1 (en) * 2000-12-01 2002-06-06 Larkin Cameron J. Method and system for providing a secured multi-purpose electronic account
US20090261161A1 (en) * 2000-12-06 2009-10-22 First Usa Bank, N.A. Selectable multi-purpose card
US20060131396A1 (en) * 2000-12-06 2006-06-22 First Usa Bank, National Association Selectable Multi-Purpose Card
US20070063025A1 (en) * 2000-12-06 2007-03-22 First Usa Bank, N.A. Selectable multi-purpose card
GB2366412A (en) * 2000-12-15 2002-03-06 Fortunebright Ltd Personalised financial product
US20020114522A1 (en) * 2000-12-21 2002-08-22 Rene Seeber System and method for compiling images from a database and comparing the compiled images with known images
US8719085B2 (en) 2001-01-18 2014-05-06 Jpmorgan Chase Bank, N.A. System and method for administering a brokerage rebate card program
US20060111980A1 (en) * 2001-01-18 2006-05-25 First Usa Bank, Na System and method for administering a brokerage rebate card program
US9870559B2 (en) 2001-01-19 2018-01-16 Mastercard Mobile Transactions Solutions, Inc. Establishing direct, secure transaction channels between a device and a plurality of service providers via personalized tokens
US7472088B2 (en) 2001-01-19 2008-12-30 Jpmorgan Chase Bank N.A. System and method for offering a financial product
US20020147669A1 (en) * 2001-01-19 2002-10-10 Taylor James W. System and method for offering a financial product
US9697512B2 (en) 2001-01-19 2017-07-04 Mastercard Mobile Transactions Solutions, Inc. Facilitating a secure transaction over a direct secure transaction portal
US9811820B2 (en) 2001-01-19 2017-11-07 Mastercard Mobile Transactions Solutions, Inc. Data consolidation expert system for facilitating user control over information use
US10217102B2 (en) * 2001-01-19 2019-02-26 Mastercard Mobile Transactions Solutions, Inc. Issuing an account to an electronic transaction device
US20120101833A1 (en) * 2001-01-19 2012-04-26 C-Sam, Inc. Transactional services
US8805739B2 (en) 2001-01-30 2014-08-12 Jpmorgan Chase Bank, National Association System and method for electronic bill pay and presentment
US7712138B2 (en) 2001-01-31 2010-05-04 International Business Machines Corporation Method and system for configuring and scheduling security audits of a computer network
US20020104014A1 (en) * 2001-01-31 2002-08-01 Internet Security Systems, Inc. Method and system for configuring and scheduling security audits of a computer network
US20020147803A1 (en) * 2001-01-31 2002-10-10 Dodd Timothy David Method and system for calculating risk in association with a security audit of a computer network
US20070250935A1 (en) * 2001-01-31 2007-10-25 Zobel Robert D Method and system for configuring and scheduling security audits of a computer network
US20020156720A1 (en) * 2001-02-13 2002-10-24 Christina Chow Real-time brokerage account application system and method
US20040133460A1 (en) * 2001-02-13 2004-07-08 Suzanne Berlin Electronic acquisition system and method using a portal to facilitate data validation and to provide a universal client interface
US7480633B2 (en) 2001-02-13 2009-01-20 American Express Bank Ltd. Real-time brokerage account application system and method
US20020152106A1 (en) * 2001-02-13 2002-10-17 Paul Stoxen Electronic acquisition system and method
US7957999B2 (en) 2001-02-13 2011-06-07 American Express Travel Related Services Company, Inc. Electronic acquisition system and method
US7734522B2 (en) 2001-02-21 2010-06-08 Fair Isaac Corporation ASP business decision engine
US7356503B1 (en) 2001-02-21 2008-04-08 Fair Isaac And Company, Inc. ASP business decision engine
US20080114674A1 (en) * 2001-02-21 2008-05-15 Johnson Gregory A ASP Business Decision Engine
WO2002069220A1 (en) * 2001-02-27 2002-09-06 American Express Travel Related Services Company, Inc. Online card activation system and method
US6820802B2 (en) 2001-02-27 2004-11-23 American Express Travel Related Services Company, Inc. Online card activation system and method
US20020123962A1 (en) * 2001-03-02 2002-09-05 Bryman Evan L. System and method for providing a reaffirmation credit card including an increasing credit limit
US20030144907A1 (en) * 2001-03-05 2003-07-31 American Express Travel Related Services Company, Inc. System and method for administering incentive offers
US20020165775A1 (en) * 2001-03-05 2002-11-07 American Express Travel Related Services System and method for integrating offers
US7552080B1 (en) * 2001-03-09 2009-06-23 Nextcard, Llc Customized credit offer strategy based on terms specified by an applicant
US7930244B2 (en) 2001-03-20 2011-04-19 American Express Travel Related Services Company, Inc. Method and apparatus for providing pre-existing customers and prospective customers with an immediately accessible account
US7778920B2 (en) 2001-03-20 2010-08-17 American Express Travel Related Services Company, Inc. Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account
US20110166923A1 (en) * 2001-03-20 2011-07-07 American Express Travel Related Services Company, Inc. Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account
US20020138418A1 (en) * 2001-03-20 2002-09-26 Zarin Marjorie Faith Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account
US7559217B2 (en) * 2001-03-21 2009-07-14 Capital One Financial Corporation Method and system for offering debt recovery products to a customer
US20020138409A1 (en) * 2001-03-21 2002-09-26 Capital One Financial Corporation Method and system for offering debt recovery products to a customer
US20030182247A1 (en) * 2001-04-02 2003-09-25 Mobed Jeffrey N. User rewards program and associated communications system
US7103573B2 (en) * 2001-04-02 2006-09-05 Privilegeone Networks, Llc User rewards program and associated communications system
US20020178113A1 (en) * 2001-04-20 2002-11-28 Clifford Jeremy P. System and method for offering customized credit card products
WO2002086682A2 (en) * 2001-04-20 2002-10-31 Capital One Financial Corporation System and method for offering customized credit card products
US10380374B2 (en) 2001-04-20 2019-08-13 Jpmorgan Chase Bank, N.A. System and method for preventing identity theft or misuse by restricting access
US8849716B1 (en) 2001-04-20 2014-09-30 Jpmorgan Chase Bank, N.A. System and method for preventing identity theft or misuse by restricting access
WO2002086682A3 (en) * 2001-04-20 2003-08-21 Capital One Financial Corp System and method for offering customized credit card products
US7801816B2 (en) 2001-05-23 2010-09-21 Jp Morgan Chase Bank, N.A. System and method for currency selectable stored value instrument
US7650314B1 (en) 2001-05-25 2010-01-19 American Express Travel Related Services Company, Inc. System and method for securing a recurrent billing transaction
US7725427B2 (en) 2001-05-25 2010-05-25 Fred Bishop Recurrent billing maintenance with radio frequency payment devices
US20030046235A1 (en) * 2001-05-25 2003-03-06 Dennis Lacivita System and method for interactive secure dialog between card holder and issuer
US7143069B2 (en) 2001-05-25 2006-11-28 American Express Travel Related Services Co. System and method for interactive secure dialog between card holder and issuer
US7562388B2 (en) 2001-05-31 2009-07-14 International Business Machines Corporation Method and system for implementing security devices in a network
US20020184532A1 (en) * 2001-05-31 2002-12-05 Internet Security Systems Method and system for implementing security devices in a network
US8160960B1 (en) 2001-06-07 2012-04-17 Jpmorgan Chase Bank, N.A. System and method for rapid updating of credit information
US20030064788A1 (en) * 2001-06-13 2003-04-03 Walker Jay S. Method and apparatus for processing a reward offer for a self-forming group
US20020194118A1 (en) * 2001-06-15 2002-12-19 Nassar John Z. Method for processing an asset-secured credit application
US7657419B2 (en) 2001-06-19 2010-02-02 International Business Machines Corporation Analytical virtual machine
US20070118350A1 (en) * 2001-06-19 2007-05-24 Vcis, Inc. Analytical virtual machine
US7768379B2 (en) 2001-07-10 2010-08-03 American Express Travel Related Services Company, Inc. Method and system for a travel-related multi-function fob
USRE45615E1 (en) 2001-07-10 2015-07-14 Xatra Fund Mx, Llc RF transaction device
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US8872619B2 (en) 2001-07-10 2014-10-28 Xatra Fund Mx, Llc Securing a transaction between a transponder and a reader
US7988038B2 (en) 2001-07-10 2011-08-02 Xatra Fund Mx, Llc System for biometric security using a fob
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
US7746215B1 (en) 2001-07-10 2010-06-29 Fred Bishop RF transactions using a wireless reader grid
US8960535B2 (en) 2001-07-10 2015-02-24 Iii Holdings 1, Llc Method and system for resource management and evaluation
US20070265964A1 (en) * 2001-07-10 2007-11-15 American Express Travel Related Services Company, Inc. System and Method for Payment Using Radio Frequency Identification in Contact and Contactless Transactions
US7762457B2 (en) 2001-07-10 2010-07-27 American Express Travel Related Services Company, Inc. System and method for dynamic fob synchronization and personalization
US7996324B2 (en) 2001-07-10 2011-08-09 American Express Travel Related Services Company, Inc. Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
US8289136B2 (en) 2001-07-10 2012-10-16 Xatra Fund Mx, Llc Hand geometry biometrics on a payment device
US9031880B2 (en) 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US10839388B2 (en) 2001-07-10 2020-11-17 Liberty Peak Ventures, Llc Funding a radio frequency device transaction
US8279042B2 (en) 2001-07-10 2012-10-02 Xatra Fund Mx, Llc Iris scan biometrics on a payment device
US20070296551A1 (en) * 2001-07-10 2007-12-27 American Express Travel Related Services Company, Inc. System for biometric security using a fob
US20090153302A1 (en) * 2001-07-10 2009-06-18 American Express Travel Related Services Company, Inc. Method and system for tracking user performance
US8001054B1 (en) 2001-07-10 2011-08-16 American Express Travel Related Services Company, Inc. System and method for generating an unpredictable number using a seeded algorithm
US8294552B2 (en) 2001-07-10 2012-10-23 Xatra Fund Mx, Llc Facial scan biometrics on a payment device
US7925535B2 (en) 2001-07-10 2011-04-12 American Express Travel Related Services Company, Inc. System and method for securing RF transactions using a radio frequency identification device including a random number generator
US9336634B2 (en) 2001-07-10 2016-05-10 Chartoleaux Kg Limited Liability Company Hand geometry biometrics on a payment device
US20030167207A1 (en) * 2001-07-10 2003-09-04 Berardi Michael J. System and method for incenting payment using radio frequency identification in contact and contactless transactions
US7705732B2 (en) 2001-07-10 2010-04-27 Fred Bishop Authenticating an RF transaction using a transaction counter
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US7694876B2 (en) 2001-07-10 2010-04-13 American Express Travel Related Services Company, Inc. Method and system for tracking user performance
US8284025B2 (en) 2001-07-10 2012-10-09 Xatra Fund Mx, Llc Method and system for auditory recognition biometrics on a FOB
US7690577B2 (en) 2001-07-10 2010-04-06 Blayn W Beenau Registering a biometric for radio frequency transactions
US8074889B2 (en) 2001-07-10 2011-12-13 Xatra Fund Mx, Llc System for biometric security using a fob
US7805378B2 (en) 2001-07-10 2010-09-28 American Express Travel Related Servicex Company, Inc. System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions
US8635131B1 (en) 2001-07-10 2014-01-21 American Express Travel Related Services Company, Inc. System and method for managing a transaction protocol
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US9881294B2 (en) 2001-07-10 2018-01-30 Chartoleaux Kg Limited Liability Company RF payment via a mobile device
US8266056B2 (en) 2001-07-10 2012-09-11 American Express Travel Related Services Company, Inc. System and method for manufacturing a punch-out RFID transaction device
US9886692B2 (en) 2001-07-10 2018-02-06 Chartoleaux Kg Limited Liability Company Securing a transaction between a transponder and a reader
US20080021840A1 (en) * 2001-07-10 2008-01-24 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a fob
US20040049451A1 (en) * 2001-07-10 2004-03-11 Berardi Michael J. System and method for payment using radio frequency identification in contact and contactless transactions
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
US7814332B2 (en) 2001-07-10 2010-10-12 Blayn W Beenau Voiceprint biometrics on a payment device
US20040233037A1 (en) * 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for iris scan recognition biometrics on a fob
US7886157B2 (en) 2001-07-10 2011-02-08 Xatra Fund Mx, Llc Hand geometry recognition biometrics on a fob
US8538863B1 (en) 2001-07-10 2013-09-17 American Express Travel Related Services Company, Inc. System and method for facilitating a transaction using a revolving use account associated with a primary account
US20040230488A1 (en) * 2001-07-10 2004-11-18 American Express Travel Related Services Company, Inc. Method for using a sensor to register a biometric for use with a transponder-reader system
US20090008441A1 (en) * 2001-07-10 2009-01-08 Xatra Fund Mx, Llc Tracking rf transaction activity using a transaction device identifier
US7827106B2 (en) 2001-07-10 2010-11-02 American Express Travel Related Services Company, Inc. System and method for manufacturing a punch-out RFID transaction device
US20040010449A1 (en) * 2001-07-10 2004-01-15 Berardi Michael J. System and method for selecting load options for use in radio frequency identification in contact and contactless transactions
US20070052517A1 (en) * 2001-07-10 2007-03-08 American Express Travel Related Services Company, Inc. Systems and methods for non-traditional payment using biometric data
US8370253B1 (en) 2001-07-12 2013-02-05 David Daniel Grossman Method and apparatus for credit brokering for point-of-sale leasing
US8185940B2 (en) 2001-07-12 2012-05-22 Jpmorgan Chase Bank, N.A. System and method for providing discriminated content to network users
US20080016180A1 (en) * 2001-07-12 2008-01-17 Jpmorganchase Bank, N.A. System And Method For Providing Discriminated Content to Network Users
US7860789B2 (en) 2001-07-24 2010-12-28 Jpmorgan Chase Bank, N.A. Multiple account advanced payment card and method of routing card transactions
US7890422B1 (en) 2001-07-24 2011-02-15 Jpmorgan Chase Bank, N.A. Multiple account advanced payment card and method of routing card transactions
US7809641B2 (en) 2001-07-26 2010-10-05 Jpmorgan Chase Bank, National Association System and method for funding a collective account
US20030028483A1 (en) * 2001-07-26 2003-02-06 First Usa Bank, N.A. System and method for funding a collective account
US7835919B1 (en) 2001-08-10 2010-11-16 Freddie Mac Systems and methods for home value scoring
US7711574B1 (en) 2001-08-10 2010-05-04 Federal Home Loan Mortgage Corporation (Freddie Mac) System and method for providing automated value estimates of properties as of a specified previous time period
US7974854B1 (en) 2001-08-10 2011-07-05 Federal Home Loan Mortgage Corporation (Freddie Mac) Systems and methods for retrospective home value scoring
US8800857B1 (en) 2001-08-13 2014-08-12 Jpmorgan Chase Bank, N.A. System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag
US8020754B2 (en) 2001-08-13 2011-09-20 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US20070265924A1 (en) * 2001-08-13 2007-11-15 First Usa Bank, N.A. System and method for funding a collective account by use of an electronic tag
US20050040221A1 (en) * 2001-08-13 2005-02-24 First Usa Bank N.A. System and method for funding a collective account by use of an electronic tag
US8033451B2 (en) 2001-08-13 2011-10-11 Jpmorgan Chase Bank, National Association System and method for funding a collective account by use of an electronic tag
US20110112959A1 (en) * 2001-08-16 2011-05-12 Lazerson Jeffrey M System for analyzing loan data
US7366694B2 (en) 2001-08-16 2008-04-29 Mortgage Grader, Inc. Credit/financing process
US7680728B2 (en) * 2001-08-16 2010-03-16 Mortgage Grader, Inc. Credit/financing process
US20030036996A1 (en) * 2001-08-16 2003-02-20 Lazerson Jeffrey M. Credit/financing process
US20030036995A1 (en) * 2001-08-16 2003-02-20 Lazerson Jeffrey M. Credit/financing process
US20110112960A1 (en) * 2001-08-16 2011-05-12 Lazerson Jeffrey M System for analyzing loan data
US20080319895A1 (en) * 2001-08-16 2008-12-25 Lazerson Jeffrey M System for matching borrowers and lenders
US20070260706A1 (en) * 2001-09-19 2007-11-08 Jpmorgan Chase Bank System and method for portal infrastructure tracking
US8335855B2 (en) 2001-09-19 2012-12-18 Jpmorgan Chase Bank, N.A. System and method for portal infrastructure tracking
US20060173791A1 (en) * 2001-09-21 2006-08-03 First Usa Bank, N.A. System for providing cardless payment
US9646304B2 (en) 2001-09-21 2017-05-09 Jpmorgan Chase Bank, N.A. System for providing cardless payment
US20070276764A1 (en) * 2001-09-21 2007-11-29 Mann William F Iii System for providing cardless payment
US20060259439A1 (en) * 2001-09-21 2006-11-16 Mann William F Iii System for providing cardless payment
US7783578B2 (en) 2001-09-21 2010-08-24 Jpmorgan Chase Bank, N.A. System for providing cardless payment
US7689504B2 (en) 2001-11-01 2010-03-30 Jpmorgan Chase Bank, N.A. System and method for establishing or modifying an account with user selectable terms
US8145522B2 (en) 2001-11-01 2012-03-27 Jpmorgan Chase Bank, N.A. System and method for establishing or modifying an account with user selectable terms
US20030101131A1 (en) * 2001-11-01 2003-05-29 Warren Mary Carter System and method for establishing or modifying an account with user selectable terms
US8732072B2 (en) 2001-11-01 2014-05-20 Jpmorgan Chase Bank, N.A. System and method for establishing or modifying an account with user selectable terms
US20070078719A1 (en) * 2001-11-01 2007-04-05 Jp Morgan Chase Bank S/M for offering reward programs
US20070118470A1 (en) * 2001-11-01 2007-05-24 Jpmorgan Chase Bank, N.A. System and Method for Establishing or Modifying an Account With User Selectable Terms
US7831468B1 (en) * 2001-11-28 2010-11-09 Conte Robert V System for customizing benefits for financial customers
US7987501B2 (en) 2001-12-04 2011-07-26 Jpmorgan Chase Bank, N.A. System and method for single session sign-on
US20100030675A1 (en) * 2001-12-06 2010-02-04 Hanan Christopher C Payor focused business to business electronic invoice presentment and accounts payable reconciliation system and method
US20040025015A1 (en) * 2002-01-04 2004-02-05 Internet Security Systems System and method for the managed security control of processes on a computer system
US7673137B2 (en) 2002-01-04 2010-03-02 International Business Machines Corporation System and method for the managed security control of processes on a computer system
US20030158949A1 (en) * 2002-02-19 2003-08-21 Miller Lawrence R. System and method for single sign-on session management without central server
US7941533B2 (en) 2002-02-19 2011-05-10 Jpmorgan Chase Bank, N.A. System and method for single sign-on session management without central server
US20040030639A1 (en) * 2002-02-22 2004-02-12 Lendingtree, Inc. Method and computer network for co-ordinating a loan over the internet
US20030163427A1 (en) * 2002-02-27 2003-08-28 Nicholas Ho Chung Fung Activity management method
US9286603B2 (en) * 2002-02-27 2016-03-15 Oneempower Pte Ltd Activity management method
US20030172017A1 (en) * 2002-03-11 2003-09-11 Vincent Feingold High performance multi-dimensional risk engines for enterprise wide market risk management
US7756896B1 (en) 2002-03-11 2010-07-13 Jp Morgan Chase Bank System and method for multi-dimensional risk analysis
US10726417B1 (en) 2002-03-25 2020-07-28 Jpmorgan Chase Bank, N.A. Systems and methods for multifactor authentication
US9240089B2 (en) 2002-03-25 2016-01-19 Jpmorgan Chase Bank, N.A. Systems and methods for time variable financial authentication
US20090271853A1 (en) * 2002-03-25 2009-10-29 Bank One, Delaware, National Association Systems and methods for time variable financial authentication
US6651884B2 (en) * 2002-03-26 2003-11-25 First Data Corporation System for ranking card reissue transactions
US6799720B2 (en) 2002-03-26 2004-10-05 First Data Corporation System for forecasting amounts of materials needed for credit card reissue
US20030187781A1 (en) * 2002-03-26 2003-10-02 First Data Corporation Method and system for processing card reissue transactions
US20030183688A1 (en) * 2002-03-26 2003-10-02 First Data Corporation System for forecasting amounts of materials needed for credit card reissue
US20070239602A1 (en) * 2002-03-26 2007-10-11 First Data Corporation Method and system for processing card reissue transactions
US10282536B1 (en) 2002-03-29 2019-05-07 Jpmorgan Chase Bank, N.A. Method and system for performing purchase and other transactions using tokens with multiple chips
US20030187787A1 (en) * 2002-03-29 2003-10-02 Freund Peter C. System and process for performing purchase transactions using tokens
US8751391B2 (en) 2002-03-29 2014-06-10 Jpmorgan Chase Bank, N.A. System and process for performing purchase transactions using tokens
US8571971B1 (en) 2002-04-19 2013-10-29 Wells Fargo Bank, N.A. Credit application status monitor
US20040172302A1 (en) * 2002-04-30 2004-09-02 Martucci James P. System and method for verifying medical device operational parameters
US20030212902A1 (en) * 2002-05-13 2003-11-13 Van Der Made Peter A.J. Computer immune system and method for detecting unwanted code in a P-code or partially compiled native-code program executing within a virtual machine
US20030216997A1 (en) * 2002-05-16 2003-11-20 Cohen Morris E. Financial cards
US20030218633A1 (en) * 2002-05-23 2003-11-27 Grinshetyn Mikhail Method and system for data capture with hidden applets
US10565643B2 (en) 2002-05-30 2020-02-18 Consumerinfo.Com, Inc. Systems and methods of presenting simulated credit score information
US9710852B1 (en) 2002-05-30 2017-07-18 Consumerinfo.Com, Inc. Credit report timeline user interface
US9569797B1 (en) 2002-05-30 2017-02-14 Consumerinfo.Com, Inc. Systems and methods of presenting simulated credit score information
US8224723B2 (en) 2002-05-31 2012-07-17 Jpmorgan Chase Bank, N.A. Account opening system, method and computer program product
US20030233459A1 (en) * 2002-06-12 2003-12-18 Lawrence Miller Method and system for delayed cookie transmission in a client-server architecture
US7505938B2 (en) * 2002-06-20 2009-03-17 Alliance Data Systems Corporation Interactive voice response quick credit system and associated methods
US20030236862A1 (en) * 2002-06-21 2003-12-25 Lawrence Miller Method and system for determining receipt of a delayed cookie in a client-server architecture
US20040002916A1 (en) * 2002-07-01 2004-01-01 Sarah Timmerman Systems and methods for managing balance transfer accounts
US20050165695A1 (en) * 2002-07-09 2005-07-28 Berardi Michael J. System and method for payment using radio frequency identification in contact and contactless transactions
US8543423B2 (en) 2002-07-16 2013-09-24 American Express Travel Related Services Company, Inc. Method and apparatus for enrolling with multiple transaction environments
US8095459B2 (en) 2002-07-29 2012-01-10 Jpmorgan Chase Bank, N.A. Method and system for providing flexible financing
US8239304B1 (en) 2002-07-29 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for providing pre-approved targeted products
US7676425B1 (en) 2002-07-29 2010-03-09 Jpmorgan Chase Bank, N.A. Method and system for providing flexible financing
USRE43157E1 (en) 2002-09-12 2012-02-07 Xatra Fund Mx, Llc System and method for reassociating an account number to another transaction account
US7809595B2 (en) 2002-09-17 2010-10-05 Jpmorgan Chase Bank, Na System and method for managing risks associated with outside service providers
US20070283171A1 (en) * 2002-09-17 2007-12-06 Jpmorgan Chase Bank, N.A. System and method for managing data privacy
US7756816B2 (en) 2002-10-02 2010-07-13 Jpmorgan Chase Bank, N.A. System and method for network-based project management
US20060259364A1 (en) * 2002-10-11 2006-11-16 Bank One, Delaware, National Association System and method for granting promotional rewards to credit account holders
US9990642B2 (en) 2002-10-11 2018-06-05 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to credit account holders
US10007923B1 (en) 2002-10-11 2018-06-26 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to credit account holders
US7797166B1 (en) * 2002-10-30 2010-09-14 Federal Home Loan Mortgage Corporation (Freddie Mac) Systems and methods for generating a model for income scoring
US11244386B1 (en) 2002-10-30 2022-02-08 Federal Home Loan Mortgage Corporation (Freddie Mac) Systems and methods for generating a model for income scoring
US8401868B1 (en) 2002-10-30 2013-03-19 Freddie Mac System and method for providing an income score of an applicant based on an income score model
US7451095B1 (en) * 2002-10-30 2008-11-11 Freddie Mac Systems and methods for income scoring
US8301493B2 (en) 2002-11-05 2012-10-30 Jpmorgan Chase Bank, N.A. System and method for providing incentives to consumers to share information
US20040088219A1 (en) * 2002-11-05 2004-05-06 First Usa Bank, N.A. System and method for providing incentives to consumers to share information
US20080082459A1 (en) * 2002-11-14 2008-04-03 Rolloversystems, Inc. Account management systems and methods
WO2004046855A3 (en) * 2002-11-14 2004-09-02 Rollover Systems Inc Account management systems and methods
WO2004046855A2 (en) * 2002-11-14 2004-06-03 Rollover Systems, Inc. Account management systems and methods
US20040098323A1 (en) * 2002-11-14 2004-05-20 Reglnald Bowser Account management systems and methods
US7155407B2 (en) * 2002-11-14 2006-12-26 Rolloversystems, Inc. Account management systems and methods
US8326748B1 (en) 2002-11-15 2012-12-04 Imx, Inc. Automated loan approval system
US7742980B1 (en) 2002-11-15 2010-06-22 Imx, Inc. Automated loan approval system
US20040220873A1 (en) * 2002-12-30 2004-11-04 Fannie Mae System and method for defining loan products
US20040128229A1 (en) * 2002-12-30 2004-07-01 Fannie Mae System and method for processing data pertaining to financial assets
US7461020B2 (en) 2002-12-30 2008-12-02 Fannie Mae System and method for creating and tracking agreements for selling loans to a secondary market purchaser
US20070016520A1 (en) * 2002-12-30 2007-01-18 Gang John E System and method for facilitating sale of a loan to a secondary market purchaser
US20100268641A1 (en) * 2002-12-30 2010-10-21 Fannie Mae System and method for verifying loan data at delivery
US20050102229A1 (en) * 2002-12-30 2005-05-12 Kemper John L. Internet-enabled interface for a loan commitment system
US9928546B2 (en) 2002-12-30 2018-03-27 Fannie Mae System and method for processing data pertaining to financial assets
US20100312684A1 (en) * 2002-12-30 2010-12-09 Kemper John L Loan commitment system and method
US20090076973A1 (en) * 2002-12-30 2009-03-19 Kemper John L System and method for creating and tracking agreements for selling loans to a secondary market purchaser
US7809633B2 (en) 2002-12-30 2010-10-05 Fannie Mae System and method for pricing loans in the secondary mortgage market
US7860787B2 (en) 2002-12-30 2010-12-28 Fannie Mae System and method for modifying attribute data pertaining to financial assets in a data processing system
US7885889B2 (en) 2002-12-30 2011-02-08 Fannie Mae System and method for processing data pertaining to financial assets
US20050102226A1 (en) * 2002-12-30 2005-05-12 Dror Oppenheimer System and method of accounting for mortgage related transactions
US20040225594A1 (en) * 2002-12-30 2004-11-11 Fannie Mae System and method for pricing loans in the secondary mortgage market
US20040225596A1 (en) * 2002-12-30 2004-11-11 Fannie Mae System and method for facilitating delivery of a loan to a secondary mortgage market purchaser
US20080120211A1 (en) * 2002-12-30 2008-05-22 Dror Oppenheimer System and method for modifying attribute data pertaining to financial assets in a data processing system
US8666879B1 (en) 2002-12-30 2014-03-04 Fannie Mae Method and system for pricing forward commitments for mortgage loans and for buying committed loans
US8515861B2 (en) 2002-12-30 2013-08-20 Fannie Mae System and method for facilitating sale of a loan to a secondary market purchaser
US8671052B1 (en) 2002-12-30 2014-03-11 Fannie Mae Method and system for pricing forward commitments for mortgage loans and for buying committed loans
US8065211B2 (en) 2002-12-30 2011-11-22 Fannie Mae System and method for creating and tracking agreements for selling loans to a secondary market purchaser
US7593889B2 (en) 2002-12-30 2009-09-22 Fannie Mae System and method for processing data pertaining to financial assets
US20040225597A1 (en) * 2002-12-30 2004-11-11 Fannie Mae System and method for processing data pertaining to financial assets
US8060440B2 (en) 2002-12-30 2011-11-15 Fannie Mae System and method for modifying attribute data pertaining to financial assets in a data processing system
US7340424B2 (en) 2002-12-30 2008-03-04 Fannie Mae System and method for facilitating sale of a loan to a secondary market purchaser
US20110112955A1 (en) * 2002-12-30 2011-05-12 Fannie Mae System and method for pricing loans in the secondary mortgage market
US7747519B2 (en) 2002-12-30 2010-06-29 Fannie Mae System and method for verifying loan data at delivery
US7742981B2 (en) 2002-12-30 2010-06-22 Fannie Mae Mortgage loan commitment system and method
US8032450B2 (en) 2002-12-30 2011-10-04 Fannie Mae Loan commitment system and method
US20040225584A1 (en) * 2002-12-30 2004-11-11 Fannie Mae System and method for defining loan products
US8024265B2 (en) 2002-12-30 2011-09-20 Fannie Mae System and method for verifying loan data at delivery
US20040220874A1 (en) * 2002-12-30 2004-11-04 Fannie Mae System and method for defining loan products
US20040215553A1 (en) * 2002-12-30 2004-10-28 Fannie Mae System and method for facilitating sale of a loan to a secondary market purchaser
US20040215555A1 (en) * 2002-12-30 2004-10-28 Fannie Mae System and method for creating and tracking agreements for selling loans to a secondary market purchaser
US8423450B2 (en) 2002-12-30 2013-04-16 Fannie Mae System and method for processing data pertaining to financial assets
US20040215554A1 (en) * 2002-12-30 2004-10-28 Fannie Mae System and method for verifying loan data at delivery
US7979346B2 (en) 2002-12-30 2011-07-12 Fannie Mae System and method for pricing loans in the secondary mortgage market
US7913303B1 (en) 2003-01-21 2011-03-22 International Business Machines Corporation Method and system for dynamically protecting a computer system from attack
US20040153418A1 (en) * 2003-02-05 2004-08-05 Hanweck Gerald Alfred System and method for providing access to data from proprietary tools
US20050027649A1 (en) * 2003-02-27 2005-02-03 Richard Cech Event typer
US20050273406A1 (en) * 2003-04-08 2005-12-08 Lending Tree, Inc. Method and computer network for co-ordinating a loan over the internet
US20040205019A1 (en) * 2003-04-08 2004-10-14 Lendingtree, Inc. Method and system for selecting qualification forms for financial services and financial products
US8429041B2 (en) 2003-05-09 2013-04-23 American Express Travel Related Services Company, Inc. Systems and methods for managing account information lifecycles
US20040225602A1 (en) * 2003-05-09 2004-11-11 American Express Travel Related Services Company, Inc. Systems and methods for managing account information lifecycles
US20040236647A1 (en) * 2003-05-23 2004-11-25 Ravi Acharya Electronic checkbook register
US20040243506A1 (en) * 2003-05-30 2004-12-02 Jayanta Das System and method for offering risk-based interest rates in a credit instrument
US20110004545A1 (en) * 2003-05-30 2011-01-06 Jpmorgan Chase Bank, N.A. System and method for offering risk-based interest rates in a credit instrument
US8145549B2 (en) 2003-05-30 2012-03-27 Jpmorgan Chase Bank, N.A. System and method for offering risk-based interest rates in a credit instutment
US8306907B2 (en) 2003-05-30 2012-11-06 Jpmorgan Chase Bank N.A. System and method for offering risk-based interest rates in a credit instrument
US8046298B1 (en) 2003-07-21 2011-10-25 Fannie Mae Systems and methods for facilitating the flow of capital through the housing finance industry
US8170952B2 (en) * 2003-07-25 2012-05-01 Jp Morgan Chase Bank System and method for providing instant-decision, financial network-based payment cards
US20050097036A1 (en) * 2003-07-25 2005-05-05 White Brigette A. System and method for providing instant-decision, financial network-based payment cards
WO2005013057A2 (en) * 2003-07-25 2005-02-10 Jp Morgan Chase Bank Financial network-based payment card
US8027914B2 (en) 2003-07-25 2011-09-27 Jp Morgan Chase Bank System and method for providing instant-decision, financial network-based payment cards
US7668777B2 (en) * 2003-07-25 2010-02-23 Jp Morgan Chase Bank System and method for providing instant-decision, financial network-based payment cards
US20100114758A1 (en) * 2003-07-25 2010-05-06 White Brigette A System and method for providing instant-decision, financial network-based payment cards
WO2005013057A3 (en) * 2003-07-25 2007-08-02 Jp Morgan Chase Bank Financial network-based payment card
US20110288990A1 (en) * 2003-07-25 2011-11-24 White Brigette A System and method for providing instant-decision, financial network-based payment cards
US9378525B2 (en) 2003-07-31 2016-06-28 Dealertrack, Inc. Integrated electronic credit application, contracting and securitization system and method
US20060277123A1 (en) * 2003-07-31 2006-12-07 William Kennedy Integrated electronic credit application, contracting and securitization system and method
US8175908B1 (en) 2003-09-04 2012-05-08 Jpmorgan Chase Bank, N.A. Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data
US7953663B1 (en) * 2003-09-04 2011-05-31 Jpmorgan Chase Bank, N.A. System and method for financial instrument pre-qualification and offering
US20050055555A1 (en) * 2003-09-05 2005-03-10 Rao Srinivasan N. Single sign-on authentication system
US8463681B2 (en) 2003-09-23 2013-06-11 Jpmorgan Chase Bank, N.A. Method and system for distribution of unactivated bank account cards
US20050065877A1 (en) * 2003-09-23 2005-03-24 Cleary Michael J. Method and system for distribution of unactivated bank account cards
US8239323B2 (en) 2003-09-23 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for distribution of unactivated bank account cards
US20050182713A1 (en) * 2003-10-01 2005-08-18 Giancarlo Marchesi Methods and systems for the auto reconsideration of credit card applications
US20100082416A1 (en) * 2003-10-21 2010-04-01 Lee Blackman Subcred
US8190893B2 (en) 2003-10-27 2012-05-29 Jp Morgan Chase Bank Portable security transaction protocol
US20050120243A1 (en) * 2003-10-28 2005-06-02 Internet Security Systems, Inc. Method and system for protecting computer networks by altering unwanted network data traffic
US7657938B2 (en) 2003-10-28 2010-02-02 International Business Machines Corporation Method and system for protecting computer networks by altering unwanted network data traffic
US7225982B2 (en) * 2003-11-14 2007-06-05 First Data Corporation Bulk card ordering system and methods
US20050103841A1 (en) * 2003-11-14 2005-05-19 First Data Corporation Bulk card ordering system and methods
US8489498B1 (en) 2003-12-01 2013-07-16 Fannie Mae System and method for processing a loan
US7925579B1 (en) 2003-12-01 2011-04-12 Fannie Mae System and method for processing a loan
US8423451B1 (en) 2003-12-01 2013-04-16 Fannie Mai System and method for processing a loan
US7653592B1 (en) 2003-12-01 2010-01-26 Fannie Mae System and method for processing a loan
US20050149419A1 (en) * 2003-12-30 2005-07-07 Blumberg Brad W. System and method of creating an adjustable commission
US7987113B2 (en) 2003-12-30 2011-07-26 Smarter Agent, Llc System and method of creating an adjustable commission
US7822680B1 (en) 2003-12-31 2010-10-26 Fannie Mae System and method for managing data pertaining to a plurality of financial assets for multifamily and housing developments
US7813990B1 (en) 2003-12-31 2010-10-12 Fannie Mae Property investment rating system and method
US7657475B1 (en) 2003-12-31 2010-02-02 Fannie Mae Property investment rating system and method
US7756779B1 (en) 2004-02-13 2010-07-13 Fannie Mae System and method for determining compliance with a delegated underwriting and servicing agreement
US20090313163A1 (en) * 2004-02-13 2009-12-17 Wang ming-huan Credit line optimization
US7467106B1 (en) 2004-06-18 2008-12-16 Jpmorgan Chase Bank, N.A. System and method for offer management
US8429006B1 (en) 2004-06-18 2013-04-23 Jpmorgan Chase Bank, N.A. System and method for offer targeting
US10460341B2 (en) 2004-06-18 2019-10-29 Jpmorgan Chase Bank, N.A. System and method for offer targeting
US7793845B2 (en) 2004-07-01 2010-09-14 American Express Travel Related Services Company, Inc. Smartcard transaction system and method
US8016191B2 (en) 2004-07-01 2011-09-13 American Express Travel Related Services Company, Inc. Smartcard transaction system and method
US8533111B1 (en) 2004-08-03 2013-09-10 Jpmorgan Chase Bank, N.A. System and method for providing promotional pricing
US8805734B2 (en) 2004-08-19 2014-08-12 Leadpoint, Inc. Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers
US20060041500A1 (en) * 2004-08-19 2006-02-23 Leadpoint, Inc. System for implementing automated open market auctioning of leads
US8571951B2 (en) 2004-08-19 2013-10-29 Leadpoint, Inc. Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers
US8924247B2 (en) 2004-08-19 2014-12-30 LoadPoint, Inc Ranking system using instant post-transaction surveying of transaction judges
US7970690B2 (en) 2004-08-19 2011-06-28 Leadpoint, Inc. System for implementing automated open market auctioning of leads
US20060265259A1 (en) * 2004-08-19 2006-11-23 Marc Diana Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers
US20060155642A1 (en) * 2004-08-19 2006-07-13 Leadpoint, Inc. Ranking system using instant post-transaction surveying of transaction judges
US8533030B1 (en) 2004-08-30 2013-09-10 Jpmorgan Chase Bank, N.A. In-bound telemarketing system for processing customer offers
US11373261B1 (en) 2004-09-22 2022-06-28 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US10586279B1 (en) * 2004-09-22 2020-03-10 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US11562457B2 (en) 2004-09-22 2023-01-24 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US11861756B1 (en) 2004-09-22 2024-01-02 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US20060089894A1 (en) * 2004-10-04 2006-04-27 American Express Travel Related Services Company, Financial institution portal system and method
US7593892B2 (en) 2004-10-04 2009-09-22 Standard Chartered (Ct) Plc Financial institution portal system and method
US20060080593A1 (en) * 2004-10-08 2006-04-13 Alexander Hudspith System and method for generating computer-readable documents
US20060095307A1 (en) * 2004-11-01 2006-05-04 Stevenson Jeffrey W Method and system for establishing a defined benefit plan
US7742958B1 (en) 2004-11-08 2010-06-22 Hrb Tax Group, Inc. System and method for preparing a tax return using electronically distributed tax return data
US20090259586A1 (en) * 2004-11-10 2009-10-15 Tom Reddin Method and computer network for co-ordinating financial services/products
US20060100944A1 (en) * 2004-11-10 2006-05-11 Lendingtree, Llc Method and computer network for co-ordinating financial services/products
US7844518B1 (en) 2004-11-30 2010-11-30 Jp Morgan Chase Bank Method and apparatus for managing credit limits
US7774248B1 (en) 2004-11-30 2010-08-10 Jp Morgan Chase Bank Method and apparatus for managing risk
US7685064B1 (en) 2004-11-30 2010-03-23 Jp Morgan Chase Bank Method and apparatus for evaluating a financial transaction
US20060190723A1 (en) * 2005-02-18 2006-08-24 Jp Morgan Chase Bank Payload layer security for file transfer
US8630898B1 (en) 2005-02-22 2014-01-14 Jpmorgan Chase Bank, N.A. Stored value card provided with merchandise as rebate
US8626523B1 (en) 2005-04-12 2014-01-07 MedOne Systems, LLC Patient voice check-in system
US20080277465A1 (en) * 2005-05-27 2008-11-13 Jpmorgan Chase Bank, Na Method and system for implementing a card product with multiple customized relationships
US8925802B1 (en) 2005-05-27 2015-01-06 Jpmorgan Chase Bank, N.A. Method and system for implementing a card product with multiple customized relationships
US8752759B1 (en) 2005-05-27 2014-06-17 Jpmorgan Chase Bank, N.A. Method and system for implementing a card product with multiple customized relationships
US8245909B2 (en) 2005-05-27 2012-08-21 Jpmorgan Chase Bank, Na Method and system for implementing a card product with multiple customized relationships
US8469265B2 (en) 2005-05-27 2013-06-25 Jpmorgan Chase Bank, N.A. Method and system for implementing a card product with multiple customized relationships
US7941355B1 (en) 2005-05-27 2011-05-10 Jpmorgan Chase Bank, N.A. Universal payment protection
US8185877B1 (en) 2005-06-22 2012-05-22 Jpmorgan Chase Bank, N.A. System and method for testing applications
US7801809B1 (en) 2005-06-24 2010-09-21 Fannie Mae System and method for management of delegated real estate project reviews
US20070027799A1 (en) * 2005-07-29 2007-02-01 Jpmorgan Chase Bank, N.A. Universal line of credit having multiple financial product features
US8321271B2 (en) 2005-08-15 2012-11-27 Dale LeFebvre System, method and computer program product for cross-selling in network environment
US20070061206A1 (en) * 2005-08-15 2007-03-15 Lefebvre Dale System and method for providing rapid rebate payments
US8126772B1 (en) 2005-08-15 2012-02-28 Dale LeFebvre Rebate cross-sell network and systems and methods implementing the same
US10290054B2 (en) 2005-08-26 2019-05-14 Jpmorgan Chase Bank, N.A. Systems and methods for performing scoring optimization
US8762260B2 (en) 2005-08-26 2014-06-24 Jpmorgan Chase Bank, N.A. Systems and methods for performing scoring optimization
US7925578B1 (en) 2005-08-26 2011-04-12 Jpmorgan Chase Bank, N.A. Systems and methods for performing scoring optimization
US9525745B2 (en) 2005-09-14 2016-12-20 Liveperson, Inc. System and method for performing follow up based on user interactions
US8738732B2 (en) 2005-09-14 2014-05-27 Liveperson, Inc. System and method for performing follow up based on user interactions
US11394670B2 (en) 2005-09-14 2022-07-19 Liveperson, Inc. System and method for performing follow up based on user interactions
US11526253B2 (en) 2005-09-14 2022-12-13 Liveperson, Inc. System and method for design and dynamic generation of a web page
US9432468B2 (en) 2005-09-14 2016-08-30 Liveperson, Inc. System and method for design and dynamic generation of a web page
US11743214B2 (en) 2005-09-14 2023-08-29 Liveperson, Inc. System and method for performing follow up based on user interactions
US10191622B2 (en) 2005-09-14 2019-01-29 Liveperson, Inc. System and method for design and dynamic generation of a web page
US9590930B2 (en) 2005-09-14 2017-03-07 Liveperson, Inc. System and method for performing follow up based on user interactions
US9948582B2 (en) 2005-09-14 2018-04-17 Liveperson, Inc. System and method for performing follow up based on user interactions
US20070061421A1 (en) * 2005-09-14 2007-03-15 Liveperson, Inc. System and method for performing follow up based on user interactions
US20070061254A1 (en) * 2005-09-15 2007-03-15 Richard Blunck Systems and methods for opening, funding, and managing financial accounts
US8583926B1 (en) 2005-09-19 2013-11-12 Jpmorgan Chase Bank, N.A. System and method for anti-phishing authentication
US9661021B2 (en) 2005-09-19 2017-05-23 Jpmorgan Chase Bank, N.A. System and method for anti-phishing authentication
US9374366B1 (en) 2005-09-19 2016-06-21 Jpmorgan Chase Bank, N.A. System and method for anti-phishing authentication
US10027707B2 (en) 2005-09-19 2018-07-17 Jpmorgan Chase Bank, N.A. System and method for anti-phishing authentication
US10140606B2 (en) 2005-10-06 2018-11-27 Mastercard Mobile Transactions Solutions, Inc. Direct personal mobile device user to service provider secure transaction channel
US9626675B2 (en) 2005-10-06 2017-04-18 Mastercard Mobile Transaction Solutions, Inc. Updating a widget that was deployed to a secure wallet container on a mobile device
US9990625B2 (en) 2005-10-06 2018-06-05 Mastercard Mobile Transactions Solutions, Inc. Establishing trust for conducting direct secure electronic transactions between a user and service providers
US10121139B2 (en) 2005-10-06 2018-11-06 Mastercard Mobile Transactions Solutions, Inc. Direct user to ticketing service provider secure transaction channel
US20070198438A1 (en) * 2005-12-07 2007-08-23 American Express Travel Related Services Co. Inc. System, method and computer program product for an acquisition partner interface for integrating multiple partner channels into a transaction account issuer platform
US8788376B2 (en) 2005-12-07 2014-07-22 III Holdings l, LLC System, method and computer program product for an acquisition partner interface for integrating multiple partner channels into a transaction account issuer platform
US9922369B2 (en) 2005-12-07 2018-03-20 Iii Holdings 1, Llc Transaction account interface
US8489497B1 (en) 2006-01-27 2013-07-16 Jpmorgan Chase Bank, N.A. Online interactive and partner-enhanced credit card
US7926711B2 (en) 2006-02-08 2011-04-19 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US8408455B1 (en) 2006-02-08 2013-04-02 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US8517258B2 (en) 2006-02-08 2013-08-27 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US20090313106A1 (en) * 2006-02-08 2009-12-17 Jpmorgan Chase Bank, N.A. System and Method for Granting Promotional Rewards to Both Customers and Non-Customers
US7784682B2 (en) 2006-02-08 2010-08-31 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US11157997B2 (en) 2006-03-10 2021-10-26 Experian Information Solutions, Inc. Systems and methods for analyzing data
US7747526B1 (en) 2006-03-27 2010-06-29 Fannie Mae System and method for transferring mortgage loan servicing rights
US8438108B1 (en) 2006-03-27 2013-05-07 Fannie Mae System and method for transferring mortgage loan servicing rights
US7753259B1 (en) 2006-04-13 2010-07-13 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US20070244816A1 (en) * 2006-04-14 2007-10-18 Mustafa Patni Systems and methods for opening, funding, and/or using a financial account, such as a checking account
US20070288359A1 (en) * 2006-04-18 2007-12-13 Susan Amadio Processing of credit applications
US20100070311A1 (en) * 2006-04-27 2010-03-18 Clark Allan Heydon Insurance Policy Revisioning Method
US20080091593A1 (en) * 2006-04-28 2008-04-17 Rockne Egnatios Methods and systems for opening and funding a financial account online
US7849003B2 (en) 2006-04-28 2010-12-07 Efunds Corporation Methods and systems for opening and funding a financial account online
US20080091591A1 (en) * 2006-04-28 2008-04-17 Rockne Egnatios Methods and systems for opening and funding a financial account online
US20080091530A1 (en) * 2006-04-28 2008-04-17 Rockne Egnatios Methods and systems for providing cross-selling with online banking environments
US8160957B2 (en) 2006-04-28 2012-04-17 Efunds Corporation Methods and systems for opening and funding a financial account online
US8793490B1 (en) 2006-07-14 2014-07-29 Jpmorgan Chase Bank, N.A. Systems and methods for multifactor authentication
US9240012B1 (en) 2006-07-14 2016-01-19 Jpmorgan Chase Bank, N.A. Systems and methods for multifactor authentication
US20080015979A1 (en) * 2006-07-14 2008-01-17 Shanan Bentley Web-based searching for payment card products with credit pre-approvals
US9679293B1 (en) 2006-07-14 2017-06-13 Jpmorgan Chase Bank, N.A. Systems and methods for multifactor authentication
US8458062B2 (en) * 2006-08-11 2013-06-04 Capital One Financial Corporation Real-time product matching
US20080065569A1 (en) * 2006-08-11 2008-03-13 Rajsaday Dutt Real-time product matching
US8275577B2 (en) 2006-09-19 2012-09-25 Smartsignal Corporation Kernel-based method for detecting boiler tube leaks
US20080109378A1 (en) * 2006-10-10 2008-05-08 Odiseas Papadimitriou Financial product frequent identification and comparision service
US20080103960A1 (en) * 2006-10-27 2008-05-01 Mortgage Innovations, Inc. Dba Lionsaves.Com System and method for a website that provides homeowners with a web based tool for debt consolidation options
US8311774B2 (en) 2006-12-15 2012-11-13 Smartsignal Corporation Robust distance measures for on-line monitoring
US20080183425A1 (en) * 2006-12-15 2008-07-31 Smart Signal Corporation Robust distance measures for on-line monitoring
US20080162256A1 (en) * 2006-12-29 2008-07-03 American Express Travel Related Services Company System and method for profiling consumers and creating a recommended or customer card
US8195551B2 (en) 2006-12-29 2012-06-05 American Express Travel Related Services Company, Inc. System and method for presenting a competitive comparison of a recommended or custom card
US8086511B2 (en) * 2006-12-29 2011-12-27 American Express Travel Related Services Company, Inc. System and method for presenting a competitive comparison of a recommended or custom card
US20080162255A1 (en) * 2006-12-29 2008-07-03 American Express Travel Related Services Company System and method for presenting a competitive comparison of a recommended or custom card
US8458063B2 (en) 2006-12-29 2013-06-04 American Express Travel Related Services Company, Inc. System and method for profiling consumers and creating a recommended or custom card
US20210295428A1 (en) * 2007-01-09 2021-09-23 Paypal, Inc. Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale
US9684931B2 (en) 2007-01-09 2017-06-20 Paypal, Inc. Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale
US20080167956A1 (en) * 2007-01-09 2008-07-10 I4 Commerce Inc. Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale
US11847692B2 (en) * 2007-01-09 2023-12-19 Paypal, Inc. Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale
AU2008200082B2 (en) * 2007-01-09 2012-08-16 Bill Me Later, Inc. Method and System for Offering a Credit Product by a Credit Issuer to a Consumer at a Point-Of-Sale
US8554669B2 (en) * 2007-01-09 2013-10-08 Bill Me Later, Inc. Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale
US10949920B2 (en) * 2007-01-09 2021-03-16 Paypal, Inc. Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale
US10068289B2 (en) * 2007-01-09 2018-09-04 Paypal, Inc. Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale
US20220027987A1 (en) * 2007-01-09 2022-01-27 Paypal, Inc. Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale
US9412132B2 (en) 2007-01-09 2016-08-09 Paypal, Inc. Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale
US20080177659A1 (en) * 2007-01-19 2008-07-24 Timothy Douglas Lacey Systems and methods for providing financial processing in conjunction with instant messaging and other communications
US20080243677A1 (en) * 2007-03-26 2008-10-02 Hogg Jason J System and method for fluid financial markets
WO2008118974A1 (en) * 2007-03-26 2008-10-02 Revolution Money Inc. System and method for fluid financial markets
US20110099081A1 (en) * 2007-03-30 2011-04-28 Leadpoint, Inc. System for Automated Trading of Informational Items and Having Integrated Ask-and-Post Features
US8726011B1 (en) 2007-05-17 2014-05-13 Jpmorgan Chase Bank, N.A. Systems and methods for managing digital certificates
US8473735B1 (en) 2007-05-17 2013-06-25 Jpmorgan Chase Systems and methods for managing digital certificates
US8676642B1 (en) 2007-07-05 2014-03-18 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to financial account holders
US8583612B2 (en) 2007-08-29 2013-11-12 Enpulz, L.L.C. Whois server verifying whois records and search engine accesses
US9177061B2 (en) 2007-08-29 2015-11-03 Enpulz, Llc Search engine with geographical verification processing
US10528545B1 (en) 2007-09-27 2020-01-07 Experian Information Solutions, Inc. Database system for triggering event notifications based on updates to database records
US11347715B2 (en) 2007-09-27 2022-05-31 Experian Information Solutions, Inc. Database system for triggering event notifications based on updates to database records
US9690820B1 (en) 2007-09-27 2017-06-27 Experian Information Solutions, Inc. Database system for triggering event notifications based on updates to database records
US20090099914A1 (en) * 2007-10-16 2009-04-16 Alliance Data Systems Corporation Automated transactional credit system and method for electronic transactions
US8533086B1 (en) 2007-10-18 2013-09-10 Jpmorgan Chase Bank, N.A. Variable rate payment card
US8417601B1 (en) 2007-10-18 2013-04-09 Jpmorgan Chase Bank, N.A. Variable rate payment card
US11379916B1 (en) 2007-12-14 2022-07-05 Consumerinfo.Com, Inc. Card registry systems and methods
US10878499B2 (en) 2007-12-14 2020-12-29 Consumerinfo.Com, Inc. Card registry systems and methods
US10262364B2 (en) 2007-12-14 2019-04-16 Consumerinfo.Com, Inc. Card registry systems and methods
US9767513B1 (en) 2007-12-14 2017-09-19 Consumerinfo.Com, Inc. Card registry systems and methods
US10614519B2 (en) 2007-12-14 2020-04-07 Consumerinfo.Com, Inc. Card registry systems and methods
US8549315B2 (en) 2008-01-24 2013-10-01 Jpmorgan Chase Bank, N.A. System and method for generating and managing administrator passwords
US8321682B1 (en) 2008-01-24 2012-11-27 Jpmorgan Chase Bank, N.A. System and method for generating and managing administrator passwords
US20090192934A1 (en) * 2008-01-30 2009-07-30 The Western Union Company Consumer Lending Using A Money Transfer Network Systems And Methods
US8666965B2 (en) 2008-05-13 2014-03-04 Enpulz, L.L.C. Web search with visited web page search result restrictions
US9009184B2 (en) 2008-05-15 2015-04-14 Enpulz, Llc Web search with multi-language search input translation
US9223869B2 (en) 2008-05-16 2015-12-29 Rpx Corporation Browser based language recognition supporting central web search translation
US9058321B2 (en) 2008-05-16 2015-06-16 Enpluz, LLC Support for international search terms—translate as you crawl
US8782072B2 (en) 2008-06-05 2014-07-15 Enpulz, L.L.C. Search engine supporting mixed image and text search input
US8892588B2 (en) 2008-06-05 2014-11-18 Enpulz, L.L.P. Search system employing multiple image based search processing approaches
US9244945B2 (en) 2008-06-05 2016-01-26 Rpx Corporation Search system using source and target image categorization
US11769112B2 (en) 2008-06-26 2023-09-26 Experian Marketing Solutions, Llc Systems and methods for providing an integrated identifier
US10075446B2 (en) 2008-06-26 2018-09-11 Experian Marketing Solutions, Inc. Systems and methods for providing an integrated identifier
US11157872B2 (en) 2008-06-26 2021-10-26 Experian Marketing Solutions, Llc Systems and methods for providing an integrated identifier
US9396436B2 (en) 2008-07-25 2016-07-19 Liveperson, Inc. Method and system for providing targeted content to a surfer
US9336487B2 (en) 2008-07-25 2016-05-10 Live Person, Inc. Method and system for creating a predictive model for targeting webpage to a surfer
US11263548B2 (en) 2008-07-25 2022-03-01 Liveperson, Inc. Method and system for creating a predictive model for targeting web-page to a surfer
US11763200B2 (en) 2008-07-25 2023-09-19 Liveperson, Inc. Method and system for creating a predictive model for targeting web-page to a surfer
US8762313B2 (en) 2008-07-25 2014-06-24 Liveperson, Inc. Method and system for creating a predictive model for targeting web-page to a surfer
US8799200B2 (en) 2008-07-25 2014-08-05 Liveperson, Inc. Method and system for creating a predictive model for targeting webpage to a surfer
US9396295B2 (en) 2008-07-25 2016-07-19 Liveperson, Inc. Method and system for creating a predictive model for targeting web-page to a surfer
US8954539B2 (en) 2008-07-25 2015-02-10 Liveperson, Inc. Method and system for providing targeted content to a surfer
US9104970B2 (en) 2008-07-25 2015-08-11 Liveperson, Inc. Method and system for creating a predictive model for targeting web-page to a surfer
US8805844B2 (en) 2008-08-04 2014-08-12 Liveperson, Inc. Expert search
US10657147B2 (en) 2008-08-04 2020-05-19 Liveperson, Inc. System and methods for searching and communication
US11386106B2 (en) 2008-08-04 2022-07-12 Liveperson, Inc. System and methods for searching and communication
US9563707B2 (en) 2008-08-04 2017-02-07 Liveperson, Inc. System and methods for searching and communication
US9558276B2 (en) 2008-08-04 2017-01-31 Liveperson, Inc. Systems and methods for facilitating participation
US9582579B2 (en) 2008-08-04 2017-02-28 Liveperson, Inc. System and method for facilitating communication
US20110055207A1 (en) * 2008-08-04 2011-03-03 Liveperson, Inc. Expert Search
US9569537B2 (en) 2008-08-04 2017-02-14 Liveperson, Inc. System and method for facilitating interactions
US10891299B2 (en) 2008-08-04 2021-01-12 Liveperson, Inc. System and methods for searching and communication
US20100070354A1 (en) * 2008-09-12 2010-03-18 Visa Usa, Inc. System and method for a merchant debit card program including a plurality of issuers
US8799067B2 (en) * 2008-09-12 2014-08-05 Visa Usa Inc. System and method for a merchant debit card program including a plurality of issuers
US20140310178A1 (en) * 2008-09-12 2014-10-16 Edward Winfield Fordyce, Iii System and method for a merchant debit card program including a plurality of issuers
US10867307B2 (en) 2008-10-29 2020-12-15 Liveperson, Inc. System and method for applying tracing tools for network locations
US20100205024A1 (en) * 2008-10-29 2010-08-12 Haggai Shachar System and method for applying in-depth data mining tools for participating websites
US11562380B2 (en) 2008-10-29 2023-01-24 Liveperson, Inc. System and method for applying tracing tools for network locations
US9892417B2 (en) 2008-10-29 2018-02-13 Liveperson, Inc. System and method for applying tracing tools for network locations
US10621657B2 (en) 2008-11-05 2020-04-14 Consumerinfo.Com, Inc. Systems and methods of credit information reporting
US10937090B1 (en) 2009-01-06 2021-03-02 Consumerinfo.Com, Inc. Report existence monitoring
US20100217649A1 (en) * 2009-02-23 2010-08-26 Creditcards.Com Method, system, and computer program product for filtering of financial advertising
US10762501B2 (en) 2009-06-29 2020-09-01 Jpmorgan Chase Bank, N.A. System and method for partner key management
US9608826B2 (en) 2009-06-29 2017-03-28 Jpmorgan Chase Bank, N.A. System and method for partner key management
US20110055247A1 (en) * 2009-09-01 2011-03-03 Blumberg Brad W Provider-specific branding of generic mobile real estate search application
US11900472B2 (en) 2009-09-24 2024-02-13 Guidewire Software, Inc. Method and apparatus for managing revisions and tracking of insurance policy elements
US9984415B2 (en) 2009-09-24 2018-05-29 Guidewire Software, Inc. Method and apparatus for pricing insurance policies
US11080790B2 (en) 2009-09-24 2021-08-03 Guidewire Software, Inc. Method and apparatus for managing revisions and tracking of insurance policy elements
US9767212B2 (en) 2010-04-07 2017-09-19 Liveperson, Inc. System and method for dynamically enabling customized web content and applications
US11615161B2 (en) 2010-04-07 2023-03-28 Liveperson, Inc. System and method for dynamically enabling customized web content and applications
WO2012019223A1 (en) * 2010-08-11 2012-02-16 Retail Money Market Ltd A retail contract matching system
US10038683B2 (en) 2010-12-14 2018-07-31 Liveperson, Inc. Authentication of service requests using a communications initiation feature
US11050687B2 (en) 2010-12-14 2021-06-29 Liveperson, Inc. Authentication of service requests initiated from a social networking site
US10104020B2 (en) 2010-12-14 2018-10-16 Liveperson, Inc. Authentication of service requests initiated from a social networking site
US9350598B2 (en) 2010-12-14 2016-05-24 Liveperson, Inc. Authentication of service requests using a communications initiation feature
US11777877B2 (en) 2010-12-14 2023-10-03 Liveperson, Inc. Authentication of service requests initiated from a social networking site
US8918465B2 (en) 2010-12-14 2014-12-23 Liveperson, Inc. Authentication of service requests initiated from a social networking site
US11861691B1 (en) 2011-04-29 2024-01-02 Consumerinfo.Com, Inc. Exposing reporting cycle information
US9558519B1 (en) 2011-04-29 2017-01-31 Consumerinfo.Com, Inc. Exposing reporting cycle information
US20120317008A1 (en) * 2011-06-13 2012-12-13 Revathi Subramanian Computer-Implemented Systems And Methods For Handling And Scoring Enterprise Data
US20120317027A1 (en) * 2011-06-13 2012-12-13 Ho Ming Luk Computer-Implemented Systems And Methods For Real-Time Scoring Of Enterprise Data
US11232413B1 (en) 2011-06-16 2022-01-25 Consumerinfo.Com, Inc. Authentication alerts
US10115079B1 (en) 2011-06-16 2018-10-30 Consumerinfo.Com, Inc. Authentication alerts
US10685336B1 (en) 2011-06-16 2020-06-16 Consumerinfo.Com, Inc. Authentication alerts
US10176233B1 (en) 2011-07-08 2019-01-08 Consumerinfo.Com, Inc. Lifescore
US11665253B1 (en) 2011-07-08 2023-05-30 Consumerinfo.Com, Inc. LifeScore
US10798197B2 (en) 2011-07-08 2020-10-06 Consumerinfo.Com, Inc. Lifescore
US8620853B2 (en) 2011-07-19 2013-12-31 Smartsignal Corporation Monitoring method using kernel regression modeling with pattern sequences
US9256224B2 (en) 2011-07-19 2016-02-09 GE Intelligent Platforms, Inc Method of sequential kernel regression modeling for forecasting and prognostics
US9250625B2 (en) 2011-07-19 2016-02-02 Ge Intelligent Platforms, Inc. System of sequential kernel regression modeling for forecasting and prognostics
US8660980B2 (en) 2011-07-19 2014-02-25 Smartsignal Corporation Monitoring system using kernel regression modeling with pattern sequences
US10642999B2 (en) 2011-09-16 2020-05-05 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US9542553B1 (en) 2011-09-16 2017-01-10 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US11790112B1 (en) 2011-09-16 2023-10-17 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US10061936B1 (en) 2011-09-16 2018-08-28 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US11087022B2 (en) 2011-09-16 2021-08-10 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US9972048B1 (en) 2011-10-13 2018-05-15 Consumerinfo.Com, Inc. Debt services candidate locator
US11200620B2 (en) 2011-10-13 2021-12-14 Consumerinfo.Com, Inc. Debt services candidate locator
US20130110690A1 (en) * 2011-10-26 2013-05-02 American Express Travel Related Services Company, Inc. Systems and methods for transaction account customer acquisition, enrollment, and management
US20160071204A1 (en) * 2011-10-26 2016-03-10 Iii Holdings 1, Llc Systems and methods for transaction account customer acquisition, enrollment, and management
US8943002B2 (en) 2012-02-10 2015-01-27 Liveperson, Inc. Analytics driven engagement
US11711329B2 (en) 2012-03-06 2023-07-25 Liveperson, Inc. Occasionally-connected computing interface
US8805941B2 (en) 2012-03-06 2014-08-12 Liveperson, Inc. Occasionally-connected computing interface
US9331969B2 (en) 2012-03-06 2016-05-03 Liveperson, Inc. Occasionally-connected computing interface
US11134038B2 (en) 2012-03-06 2021-09-28 Liveperson, Inc. Occasionally-connected computing interface
US10326719B2 (en) 2012-03-06 2019-06-18 Liveperson, Inc. Occasionally-connected computing interface
US11689519B2 (en) 2012-04-18 2023-06-27 Liveperson, Inc. Authentication of service requests using a communications initiation feature
US10666633B2 (en) 2012-04-18 2020-05-26 Liveperson, Inc. Authentication of service requests using a communications initiation feature
US11323428B2 (en) 2012-04-18 2022-05-03 Liveperson, Inc. Authentication of service requests using a communications initiation feature
US10795548B2 (en) 2012-04-26 2020-10-06 Liveperson, Inc. Dynamic user interface customization
US11269498B2 (en) 2012-04-26 2022-03-08 Liveperson, Inc. Dynamic user interface customization
US9563336B2 (en) 2012-04-26 2017-02-07 Liveperson, Inc. Dynamic user interface customization
US11868591B2 (en) 2012-04-26 2024-01-09 Liveperson, Inc. Dynamic user interface customization
US11356430B1 (en) 2012-05-07 2022-06-07 Consumerinfo.Com, Inc. Storage and maintenance of personal data
US9853959B1 (en) 2012-05-07 2017-12-26 Consumerinfo.Com, Inc. Storage and maintenance of personal data
US11687981B2 (en) 2012-05-15 2023-06-27 Liveperson, Inc. Methods and systems for presenting specialized content using campaign metrics
US9672196B2 (en) 2012-05-15 2017-06-06 Liveperson, Inc. Methods and systems for presenting specialized content using campaign metrics
US11004119B2 (en) 2012-05-15 2021-05-11 Liveperson, Inc. Methods and systems for presenting specialized content using campaign metrics
US11863310B1 (en) 2012-11-12 2024-01-02 Consumerinfo.Com, Inc. Aggregating user web browsing data
US9654541B1 (en) 2012-11-12 2017-05-16 Consumerinfo.Com, Inc. Aggregating user web browsing data
US10277659B1 (en) 2012-11-12 2019-04-30 Consumerinfo.Com, Inc. Aggregating user web browsing data
US11012491B1 (en) 2012-11-12 2021-05-18 ConsumerInfor.com, Inc. Aggregating user web browsing data
US10963959B2 (en) 2012-11-30 2021-03-30 Consumerinfo. Com, Inc. Presentation of credit score factors
US10366450B1 (en) 2012-11-30 2019-07-30 Consumerinfo.Com, Inc. Credit data analysis
US9830646B1 (en) 2012-11-30 2017-11-28 Consumerinfo.Com, Inc. Credit score goals and alerts systems and methods
US11308551B1 (en) 2012-11-30 2022-04-19 Consumerinfo.Com, Inc. Credit data analysis
US11132742B1 (en) 2012-11-30 2021-09-28 Consumerlnfo.com, Inc. Credit score goals and alerts systems and methods
US11651426B1 (en) 2012-11-30 2023-05-16 Consumerlnfo.com, Inc. Credit score goals and alerts systems and methods
US10255598B1 (en) 2012-12-06 2019-04-09 Consumerinfo.Com, Inc. Credit card account data extraction
US9697568B1 (en) 2013-03-14 2017-07-04 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US10102570B1 (en) 2013-03-14 2018-10-16 Consumerinfo.Com, Inc. Account vulnerability alerts
US9594907B2 (en) 2013-03-14 2017-03-14 Sas Institute Inc. Unauthorized activity detection and classification
US11514519B1 (en) 2013-03-14 2022-11-29 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US10929925B1 (en) 2013-03-14 2021-02-23 Consumerlnfo.com, Inc. System and methods for credit dispute processing, resolution, and reporting
US9870589B1 (en) 2013-03-14 2018-01-16 Consumerinfo.Com, Inc. Credit utilization tracking and reporting
US11769200B1 (en) 2013-03-14 2023-09-26 Consumerinfo.Com, Inc. Account vulnerability alerts
US10043214B1 (en) 2013-03-14 2018-08-07 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US11113759B1 (en) 2013-03-14 2021-09-07 Consumerinfo.Com, Inc. Account vulnerability alerts
US10339294B2 (en) 2013-03-15 2019-07-02 Jpmorgan Chase Bank, N.A. Confidence-based authentication
US9419957B1 (en) 2013-03-15 2016-08-16 Jpmorgan Chase Bank, N.A. Confidence-based authentication
US10685398B1 (en) 2013-04-23 2020-06-16 Consumerinfo.Com, Inc. Presenting credit score information
US11288741B1 (en) * 2013-06-24 2022-03-29 Dividex Analytics, LLC Securities claims identification, optimization and recovery system and methods
US10102575B1 (en) * 2013-06-24 2018-10-16 Dividex Analytics, LLC Securities claims identification, optimization and recovery system and methods
US11836796B1 (en) * 2013-06-24 2023-12-05 Dividex Analytics, LLC Securities claims identification, optimization and recovery system and methods
US10032182B1 (en) 2013-06-28 2018-07-24 Groupon, Inc. Systems and methods for providing promotion sharing among consumers
US11710146B2 (en) 2013-06-28 2023-07-25 Groupon, Inc. Systems and methods for providing promotion sharing among consumers
US10546314B2 (en) 2013-06-28 2020-01-28 Groupon, Inc. Systems and methods for providing promotion sharing among consumers
US10943245B2 (en) 2013-06-28 2021-03-09 Groupon, Inc. Systems and methods for providing promotion sharing among consumers
US9443268B1 (en) 2013-08-16 2016-09-13 Consumerinfo.Com, Inc. Bill payment and reporting
US11354716B1 (en) 2013-08-22 2022-06-07 Groupon, Inc. Systems and methods for determining redemption time
US10269065B1 (en) 2013-11-15 2019-04-23 Consumerinfo.Com, Inc. Bill payment and reporting
US10325314B1 (en) 2013-11-15 2019-06-18 Consumerinfo.Com, Inc. Payment reporting systems
US11461364B1 (en) 2013-11-20 2022-10-04 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US10628448B1 (en) 2013-11-20 2020-04-21 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US10025842B1 (en) 2013-11-20 2018-07-17 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US10922719B1 (en) 2013-12-09 2021-02-16 Groupon, Inc. Systems and methods for providing group promotions
US10148726B1 (en) 2014-01-24 2018-12-04 Jpmorgan Chase Bank, N.A. Initiating operating system commands based on browser cookies
US10686864B2 (en) 2014-01-24 2020-06-16 Jpmorgan Chase Bank, N.A. Initiating operating system commands based on browser cookies
US20170109822A1 (en) * 2014-03-21 2017-04-20 ITG Software Solutions, Inc Network communication system for exchange trading
US11386442B2 (en) 2014-03-31 2022-07-12 Liveperson, Inc. Online behavioral predictor
US10482532B1 (en) 2014-04-16 2019-11-19 Consumerinfo.Com, Inc. Providing credit data in search results
US9892457B1 (en) 2014-04-16 2018-02-13 Consumerinfo.Com, Inc. Providing credit data in search results
US10869253B2 (en) 2015-06-02 2020-12-15 Liveperson, Inc. Dynamic communication routing based on consistency weighting and routing rules
US11638195B2 (en) 2015-06-02 2023-04-25 Liveperson, Inc. Dynamic communication routing based on consistency weighting and routing rules
US11410230B1 (en) 2015-11-17 2022-08-09 Consumerinfo.Com, Inc. Realtime access and control of secure regulated data
US11893635B1 (en) 2015-11-17 2024-02-06 Consumerinfo.Com, Inc. Realtime access and control of secure regulated data
US11729230B1 (en) 2015-11-24 2023-08-15 Experian Information Solutions, Inc. Real-time event-based notification system
US11159593B1 (en) 2015-11-24 2021-10-26 Experian Information Solutions, Inc. Real-time event-based notification system
US10757154B1 (en) 2015-11-24 2020-08-25 Experian Information Solutions, Inc. Real-time event-based notification system
US10278065B2 (en) 2016-08-14 2019-04-30 Liveperson, Inc. Systems and methods for real-time remote control of mobile applications
US11681733B2 (en) 2017-01-31 2023-06-20 Experian Information Solutions, Inc. Massive scale heterogeneous data ingestion and user resolution
US11227001B2 (en) 2017-01-31 2022-01-18 Experian Information Solutions, Inc. Massive scale heterogeneous data ingestion and user resolution
US11669828B1 (en) 2017-02-14 2023-06-06 Wells Fargo Bank, N.A. Mobile wallet artificial intelligence card underwriting
US11538025B1 (en) 2017-02-14 2022-12-27 Wells Fargo Bank, N.A. Mobile wallet first time customer
US11829994B1 (en) 2017-02-14 2023-11-28 Wells Fargo Bank, N.A. Instant wallet credit card
US10878408B1 (en) 2017-02-14 2020-12-29 Wells Fargo Bank, N.A. Mobile wallet for non-tokenized cards
US10853791B1 (en) 2017-02-14 2020-12-01 Wells Fargo Bank, N.A. Mobile wallet dynamic interface
US11507935B1 (en) 2017-02-14 2022-11-22 Wells Fargo Bank, N.A. Mobile wallet card control
US11625710B1 (en) 2017-02-14 2023-04-11 Wells Fargo Bank, N.A. Mobile wallet card carousel
US11587062B1 (en) 2017-02-14 2023-02-21 Wells Fargo Bank, N.A. Mobile wallet for non-tokenized cards
US11361300B1 (en) 2017-02-14 2022-06-14 Wells Fargo Bank, N.A. Mobile wallet bundled features
US11138671B2 (en) * 2017-03-27 2021-10-05 Swiss Reinsurance Company Ltd. Adaptive, self-optimizing, leveraged capacity system and corresponding method thereof
US20180276759A1 (en) * 2017-03-27 2018-09-27 Swiss Reinsurance Company Ltd. Adaptive, self-optimizing, leveraged capacity system and corresponding method thereof
US10991044B2 (en) * 2018-03-30 2021-04-27 Hironobu Katoh Stock price forecast assist system and method
US20200090273A1 (en) * 2018-03-30 2020-03-19 Hironobu Katoh Stock price forecast assist system and method
US10671749B2 (en) 2018-09-05 2020-06-02 Consumerinfo.Com, Inc. Authenticated access and aggregation database platform
US11399029B2 (en) 2018-09-05 2022-07-26 Consumerinfo.Com, Inc. Database platform for realtime updating of user data from third party sources
US10880313B2 (en) 2018-09-05 2020-12-29 Consumerinfo.Com, Inc. Database platform for realtime updating of user data from third party sources
US11265324B2 (en) 2018-09-05 2022-03-01 Consumerinfo.Com, Inc. User permissions for access to secure data at third-party
US11315179B1 (en) 2018-11-16 2022-04-26 Consumerinfo.Com, Inc. Methods and apparatuses for customized card recommendations
US11842454B1 (en) 2019-02-22 2023-12-12 Consumerinfo.Com, Inc. System and method for an augmented reality experience via an artificial intelligence bot
US11238656B1 (en) 2019-02-22 2022-02-01 Consumerinfo.Com, Inc. System and method for an augmented reality experience via an artificial intelligence bot
US11769132B1 (en) 2019-05-22 2023-09-26 Wells Fargo Bank, N.A. P2P payments via integrated 3rd party APIs
US11227313B2 (en) 2019-06-19 2022-01-18 FinanceNinja, LLC Systems and methods for implementing a sponsor portal for mediating services to end users
US11682046B2 (en) 2019-06-19 2023-06-20 FinanceNinja, LLC Systems and methods for implementing a sponsor portal for mediating services to end users
US20230351501A1 (en) * 2020-05-04 2023-11-02 Seong Min YOON Currency exchange management computer, foreign currency exchange system, and method therefor
US20220058735A1 (en) * 2020-08-24 2022-02-24 Leonid Chuzhoy Methods for prediction and rating aggregation
US11900457B2 (en) * 2020-08-24 2024-02-13 Leonid Chuzhoy Methods for prediction and rating aggregation
US20220156811A1 (en) * 2020-11-15 2022-05-19 Refinitiv Us Organization Llc User-defined matching
US20220318906A1 (en) * 2021-04-05 2022-10-06 Pranil Ram Interactive Grid-based Graphical Trading System with Smart Order Action
US20230237574A1 (en) * 2021-05-26 2023-07-27 Sun Sun Chan Computer-implemented method for calculating trade price reference indicator
US11922494B2 (en) * 2021-09-30 2024-03-05 Paypal, Inc. Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale

Also Published As

Publication number Publication date
US7310617B1 (en) 2007-12-18

Similar Documents

Publication Publication Date Title
US6014645A (en) Real-time financial card application system
US10027613B2 (en) Method and system of automating data capture from electronic correspondence
US8990345B2 (en) Personalized account migration system and method
US9978089B2 (en) Personalized interactive network with multiple channels coupled to integrated knowledge management system
US7895073B2 (en) Methods and apparatus for presenting offers to qualified consumers
US20020087506A1 (en) Method and system for interactively enabling venture financing for entrepreneurs
US20020099609A1 (en) Method and system for using customer preferences in real time to customize a commercial transaction
US20020087450A1 (en) Venture matching method and system
US20020087446A1 (en) Method and system for interactively enabling investment opportunities for investors
WO2000077699A1 (en) Web-based system for connecting buyers and sellers
US20100287458A1 (en) Method, system and computer program for furnishing information to customer representatives
US20030101115A1 (en) Method and system for electronically supporting investment and venture financing opportunities for investors and entrepreneurs
US20020087387A1 (en) Lead generator method and system
US8204806B2 (en) System and method of processing account information over a computer network
US20080059368A1 (en) Direct Passthrough System for Financial Contributions
US20020073023A1 (en) Method and system for interactively delivering business chamber resources via a remote computer network
US20040267609A1 (en) Methods and systems for specifying and distributing consumer information
WO2001002985A2 (en) Method and apparatus for evaluating financial information providers
Muther Trends in the Supplier-Customer Relationship
KR20020013105A (en) Method for managing member of readers using On-Line
WO2003060871A1 (en) Method of personalizing electronic site display

Legal Events

Date Code Title Description
AS Assignment

Owner name: BLOCK FINANCIAL CORPORATION, MISSOURI

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:CUNNINGHAM, GORDON COTTER;REEL/FRAME:008030/0475

Effective date: 19960520

STCF Information on status: patent grant

Free format text: PATENTED CASE

CC Certificate of correction
RR Request for reexamination filed

Effective date: 20020603

FPAY Fee payment

Year of fee payment: 4

B1 Reexamination certificate first reexamination

Free format text: THE PATENTABILITY OF CLAIMS 11-22, 26-31 AND 33 IS CONFIRMED. CLAIMS 1-10 ARE CANCELLED. CLAIMS 23 AND 32 ARE DETERMINED TO BE PATENTABLE AS AMENDED. CLAIMS 24 AND 25, DEPENDENT ON AN AMENDED CLAIM, ARE DETERMINED TO BE PATENTABLE. NEW CLAIMS 34 AND 35 ARE ADDED AND DETERMINED TO BE PATENTABLE.

FPAY Fee payment

Year of fee payment: 8

AS Assignment

Owner name: BLOCK FINANCIAL LLC, MISSOURI

Free format text: CHANGE OF NAME;ASSIGNOR:BLOCK FINANCIAL CORPORATION;REEL/FRAME:020679/0704

Effective date: 20071219

FPAY Fee payment

Year of fee payment: 12